IC-NRLF 


MANUAL 

OF 


RULES  AND  RATES 


MANUAL 

OF 

COMPENSATION    AND    LIABILITY 
INSURANCE 


RULES  AND  RATES 


Issued  by 

Workmen's  Compensation  Service  Bureau 

New  York 


JNDEX  TO  GENERAL  RULES,  ELEVATOR  RULES  AND  RATES, 

OWNERS',  LANDLORDS'  AND  TENANTS'  PUBLIC 

LIABILITY,  TEAMS'  AND  THEATRE  RULES. 

Page 

Additional  Interests 21 

Additional  Interests— Elevators 25 

Additional  Interests— O.,  L.  and  T.  Public  Liability 30,31 

Additional  Interests— Theatres 44 

Additions  to,  Alterations  and  Repairs 11 

Area— O.,  L.  and  T.  Public  Liability 30 

Automobile  Insurance 22 

Blasting , 10 

Boarding  and  Furnished  Room  Houses 32 

Buildings  occupied  as  stores,  with  dwellings  above 32 

Buildings  containing  theatres,  concert  halls,  etc.,  in  conjunction  with 

hotels,  stores,  apartments,  etc 32 

Chauffeurs  and  Chauffeurs'  Helpers 9 

Classifications  which  are  Designated  by  (a)  or  (b)  in  P.  L.  column..  .13,51 

Classifications  prefixed  by  \ 15 

Clerical  Office  Employees 8 

Contractors  engaged  in  setting  boilers  or  engines  under  contract 49 

Contractors'  Protective  Insurance 48,49 

Draughtsmen 9 

Drivers  and  Drivers'  Helpers 9 

Elevators 23-27 

Estimated  Wages 6 

Executive  Officers 8 

Frontage— O.,  L.  and  T.  Public  Liability 29,30 

General  Instructions 4 

General  Notice 3 

Hired  Teams 42 

Landlords1  Protective  Liability — Elevators 26 

Landlords'  Protective  Liability— O.,  L.  and  T.  Public  Liability 31 

landlords'  Protective  Liability— Theatres 44,45 

Limit   Tables 19,20 

Long  Term  Policies 14 

Long  Term  Policies — Elevators 25 

Long  Term  Policies— O.,  L.  and  T.  Public  Liability 30 

Long  Term  Policies— Theatres 44 

Medical  Aid 13 

Minimum  Premiums — general 15,16 

Minimum   Premiums — special : 

Baths  (not  otherwise  classified) 61 

Blasting ." 62 

Cotton  Ginning  and  Pressing 80 

Cottonseed  Oil  Mfg 80 

Electric  Light  and  Power  Companies 84 

Firemen 88 

Five  and  Ten  Cent  Stores 137 

Gasoline  and  Oil  Supply  Stations. 93 


INDEX— CONTINUED 

Page 

Policemen 117 

Telegraph  and  Telephone  Companies — operation 140 

Vessels 146,148 

Not  Available  for  Division  of  Payroll 8 

Owners',  Landlords'  and  Tenants'  Public  Liability. 29-32 

Owners'  or  Contractors'  Protective  Liability 47-49 

Owners'  or  Contractors'  Protective  Liability— Percentage  Contracts.   .     47 

Payroll  Rules  for  Compensation  Policies 7-11 

Payroll  Rules  for  Public  Liability  Policies  12 

Policy  Forms 5 

Policy  Limits 17,19 

Railroad  Hazard 10 

Rates 13 

Removal  Permits 50 

Residence  and  Farm  Insurance   33-89 

Salesmen  (outside)  Collectors  and  Messengers 9 

Specific  Instructions  to  Agents  Governing  use  of  Manual 51 

Stamping 10 

Teams'  Property  Damage  Insurance — Rules  and  Rates 43 

Teams'  Public  Liability 40-43 

Teams'  Risks  not  assignable  to  Manual  classifications  41 

Theatre  Public  Liability  including  Moving  Picture  Shows 44 

Theatre  Rates   .  46 


Issued  June  1,  1916. 
Revised  November  1,  1916. 

CALIFORNIA. 

SYMBOLS  FOE  COMP.  RATES  AND  THEIR  VALUES. 


AA  

.04 

BG  

.63 

CO  .   .. 

2.27 

DV... 

..8.68 

AB  ..     . 

.05 

BH     .. 

.66 

CP. 

2.39 

DW. 

..9.09 

AC  

.07 

BJ  

.  .69 

CO. 

2.51 

DX     . 

9.54 

AD 

08 

BK 

.72 

CR 

2  63 

DY 

9.98 

AE     

.10 

BL     (x) 

.  .75 

CS.     . 

2.74 

DZ     . 

10.45 

AF  

.11 

BM  

.  .77 

CT  

.2.89 

EA... 

.10.95 

AG 

13 

BO  . 

.80 

CV 

3.01 

EB 

11.45 

AH    - 

.14: 

BP  

.  .83 

cw. 

3.16 

EC(x) 

11.98 

A  J  

.16 

BO.. 

.  .86 

ex  

3.30 

ED... 

.12.56 

AK  

.17 

BR  

.  .92 

CY  

.3.45 

EE... 

.13.15 

AL 

19 

BS     . 

.95 

CZ  ... 

3.63 

EF    .. 

13.77 

AM  

.20 

BT    .... 

1.01 

DA  .  .  .  . 

.3.80 

EG... 

.14.42 

AO  

.22 

BV  

1.04 

DB  

.3.98 

EH... 

.15.09 

AP 

.23 

BW.  ... 

1.10 

DC     . 

4.16 

EJ..   . 

15.80 

AQ.. 

.25 

BX  (xx) 

1.16 

DD.(x) 

.4.36 

EK   .. 

.16.56 

AR 

26 

BY 

1.22 

DE 

457 

EL 

1733 

AS 

27 

BZ  

1.27 

DF 

4.77 

EM 

18  15 

AT  

.29 

CA  

1.33 

DG  (x) 

5.01 

EO 

19.00 

AY...... 

.30 

CB  

1.39 

DH... 

5.24 

EP... 

.19.91 

AW 

33 

CC 

1.45 

DJ 

548 

EO 

2085 

AX  

.36 

CD     .. 

1.51 

DK 

5.74 

ER 

21.82 

AY  

.39 

CE  ....: 

1.60 

Dl  

.6.01 

ES  .   . 

.22.85 

AZ  

.42 

CF 

1.66 

DM     . 

6.30 

ET 

2394 

BA  

.45 

CG  

1.74 

DO  

6.60 

EV... 

.25.09 

BB  

.48 

CH     .. 

1.80 

DP 

689 

EW 

26.26 

BC  

.51 

CJ  

1.89 

DO. 

7.21 

EX 

27.50 

BD  

.54 

CK  

1.98 

DR  .(x) 

7.57 

EY... 

.28.79 

BE  .. 

.57 

CL  

2.10 

DS      .. 

7.92 

EZ    .. 

.30.15 

BF... 

.60 

CM 

2.19 

DT 

830 

(x)    Means  printed  rate  is  subject  to  exceptions,  for  which  see  rate    sheet 
"  Exceptions— Comp." 

(xx)    Means  refer  to  rate  sheet  entitled  "Classifications  in  Basic  Manual  not 
available  in  this  State." 

i 


Issued  June  1,  1916. 

CALIFORNIA.  HO  2*'^ 

EXCEPTIONS-GENERAL  RULES.     iJil  C 

Payroll  Rules  for  Compensation  Policies. 
Amend  the  first  paragraph,  page  7  of  the  Manual  to  read: 

The  Compensation  rates  in  this  Manual  shall  be  applicable  to  the  re- 
muneration of  all  employees  of  the  assured  without  exception,  and  also 
to  the  entire  remuneration  of  employees  of  sub-contractors,  which  re- 
muneration may  be  divided  into  classifications  where  specifically  per- 
mitted or  directed  by  these  rules,  but  not  otherwise  (if  the  assured 
cannot  furnish  the  remuneration  of  employees  of  sub-contractors,  one- 
third  of  the  contract  price  of  the  sub-contracted  work  shall  be  considered 
as  the  remuneration  of  employees  of  sub-contractors).  No  premium 
charge,  however,  shall  be  made  on  the  remuneration  of  the  employees 
of  any  sub-contractor,  if  the  assured  shall  furnish  the  Company  with  a 
certificate  showing  conclusively  that  such  sub-contractors  have  main- 
tained compensation  insurance  covering  their  entire  liability  for  com- 
pensation during  the  period  that  the  compensation  policy  of  the  assured 
was  in  force.  Under  no  circumstances  shall  a  compensation  policy  be 
written  on  any  part  of  a  plant  leaving  another  part  of  the  plant  un- 
insured. The  following  specific  rules  shall  govern  the  treatment  of  pay- 
roll as  the  basis  of  premium  for  compensation  policies. 

Division  of  Payroll. 
Amend  paragraph  "1"  page  7  of  the  Manual,  to  read: 

The  operative  procedure  within  a  given  plant  shall  not  be  subject  to 
division  into  several  manual  classifications  where  the  employees  are 
engaged,  or  the  different  operations  are  conducted  in  such  a  manner 
that  they  are  all  brought  together,  the  employees  being  commonly  ex- 
posed to  the  general  hazard  of  the  enterprise  which  is  best  represented 
by  its  governing  classification.  Under  such  circumstances,  the  place  of 
the  work  of  the  employees  is  such  that  they  are  subjected  to  the  common 
hazard  whether  or  not  the  employees  are  interchangeable  and  the  gov- 
erning classification  must  apply  to  all  without  sub-division. 

If,  however,  there  are  distinct  enterprises,  conducted  in  a  given 
plant  by  the  same  employer  and  the  entire  work  in  each  enterprise  is 
conducted  either  in  a  separate  building  or  on  a  separate  floor  or 
floors  of  a  building,  or  on  the  same  floor  in  separate  departments 
divided  by  partitions  without  interchange  of  labor,  the  employer  con- 
ducting each  of  such  enterprises  as  a  separate  undertaking  with 
separate  records  of  payroll,  then  such  separate  undertakings  shall 
each  be  classified  according  to  the  Manual  and  the  proper  premium  rate 
applied  to  each.  Any  operation,  normally  prevailing  in  the  business 
covered  by  the  governing  classification  as  defined,  cannot  be  treated  as 
a  separate  enterprise  within  the  meaning  of  the  rule. 


CALIFORNIA  Issued  June  1,  1916. 

Exceptions— General  Rules  (Continued.) 

Estimated  Wages. 

Amend  the  rule  page  6  of  the  Manual,  under  the  above  heading,   by 
adding  the  following  paragraph: 

There  shall  be  incorporated  in  every  compensation  policy  a  provision 
for  the  inclusion  of  minimum  amounts  in  computing  wages  to  represent 
the  value  of  board  or  lodging  furnished  by  the  employer,  said  amounts 
to  be  not  less  than  the  following: 

Where  board  only  is  furnished $12.50  per  month. 

Where  lodging  only  is  furnished 3.50  per  month. 

Where  both  board  and  lodging  are  furnished  . . .  16.00  per  month. 

Executive  Officers. 
Amend  the  second  paragraph  of  section  3,  page  8  of  the  Manual  to  read: 

1.  The  inclusion  or  exclusion  of  any  executive  officer  or  officers  or 
members  of  a  co-partnership  or  individual  employers  from  the  coverage 
of  the  policy  shall  be  optional  with  the  carrier,  but  such  inclusion  or 
exclusion  must  be  plainly  stated  in  the  policy. 

2.  If  included  in  the  coverage  of  the  policy  the  premium  basis  for 
such  executive  officer  or  officers,  members  of  a  co-partnership  or  indi- 
vidual employers  must  be  stated  in  the  payroll;  but  not  in  excess  of 
$1,666.66  each. 

3.  The  rate  to  be  charged  for  such  executive  officer  or  officers,  mem- 
bers of  a  co-partnership  or  individual  employers  shall  be  the  rate  of  the 
governing  classification  in  the  event  that  such  individuals  are  exposed 
to  the  operative  hazard  of  the  business.     If  not  so  exposed  the  rate 
shall  be  as  expressed  in  the  Manual  for  clerical  office  employees. 

Add  additional  paragraph  No.   13,  to   "  Payroll  Rules  for  Compensation 
policies,"  page  11  of  the  Manual: 

Section  30  of  the  California  Workmen's  Compensation  Law 
provides  that  the  general  or  principal  contractors  shall  be  responsible 
for  compensation  to  employees  of  sub-contractors.  In  view  of  this  the 
compensation  rates  in  this  Manual  shall  be  applicable  to  the  entire  re- 
muneration of  employees  of  sub-contractors,  except  that  no  premium 
charge  shall  be  made  on  the  remuneration  of  the  employees  of  any  sub- 
contractor, if  the  general  or  principal  contractor  shall  furnish  the 
Company  with  a  certificate  showing  conclusively  that  such  sub- 
contractors have  maintained  compensation  insurance  covering  their 
entire  liability  for  compensation  during  the  period  that  the  compensation 
policy  of  the  principal  or  general  contractor  was  in  force.  If  the  principal 
or  general  contractor  cannot  furnish  the  remuneration  of  employees  of 


CALIFORNIA  Issued  June  1,  1916. 

Exceptions — General  Rules  (Continued.) 

sub-contractors,  one-third  of  the  contract  price  of  the  sub-contracted 
work  shall  be  considered  as  the  remuneration  of  employees  of  sub- 
contractors. 

The  above  rule  shall  not  apply  to  contracts  for  piecework  in  manu- 
facturing plants.  In  manufacturing  plants  the  entire  amount  paid  for 
such  piecework  shall  be  included  as  payroll. 

Medical  Aid. 
Insert  the  following  after  the  first  paragraph,  page  13  of  the  Manual : 

It  is  permissible  for  the  insurance  carrier  to  enter  into  an  agreement 
with  any  assured  having  permanent  and  properly  equipped  hospital  and 
medical  service  to  pay  to  such  assured  for  furnishing  medical  and 
hospital  treatment  and  service,  as  is  required  under  the  California  Act, 
including  transportation  charges,  an  amount  not  exceeding  10%  for 
classifications  applying  to  construction  work  and  the  operation,  main- 
tenance and  extension  of  electric  light  and  power  and  telegraph  and 
telephone  lines,  and  15%  in  all  other  classifications,  of  the  total  premium 
earned  by  the  carrier  under  the  assured's  policy  at  full  Manual  rates. 

Minimum  Premiums. 

Amend  page  15  of  the  Manual  under  the  above  heading  by  the  addition 
of  the  following: 

Minimum 
Premiums 

Clerical  Office  Work  Only $5 .00 

Mining  and  Milling 25.00 

Schools..  5.00 


Issued  June      1,  1916. 
Revised  October  19,  1916. 

CALIFORNIA. 

EXCEPTIONS— COMP.  Comp. 

Symbol      Rate 

Bean  Sorting  and  Handling BL       2,27 

Clay  or  Shale  Mining— with  shafts,  tunnels  or 

drifts      DR 

Coal  Mining 

Copper  Mining ^ DR 

Feldspar  Mining .' DR 

Firemen— for  rate  for  this  class  of  risk,  refer  to  H.  0  - 

Gold  Mining DR 

Gold  Mining  by  hydraulic  process D6 

Graphite  Mining DR 

Gypsum  Mining DR 

Iron  Mining — with  shafts,  tunnels  or  drifts EC 

Iron  Mining — surface — no  shafts,  tunnels  or  drifts  DR 

Lead  Mining DR 

Lead  and  Zinc  Mining — milling,  prospecting  and 
shaft  sinking,  including  installation  of  ma- 
chinery, and  erection,  construction  and  repair 

of  premises  and  plant DR 

Manganese  Mining DR 

Mica  Mining DR 

Nickel  Mining DR 

Ore  Crushing DD 

Ore  Mining — not  otherwise  classified — surface — 

no  shafts,  tunnels  or  drifts DR 

Ore     Mining — not     otherwise     classified — with 

shafts,  tunnels  or  drifts EC 

Ores— concentration  and  amalgamation DD 

Phosphate  Mining DR 

Policemen — for  rate  for  this  class  of  risk,  refer 
toH.  0. 

Quartz  Mills DD 

Rock  Salt  Mining 4 DR 

Silica  Mining DR 

Silver  Mining DR 

Sulphur  Pyrites  Mining DR 

Talc  Mining DR 


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Issued  June  1,  1916. 


CALIFORNIA. 


SYMBOLS  FOR  P.  L.  KATES  AND  THEIR  VALUES. 

Z 02  ZM....1.00 

ZA 03  ZO-...  1.25 

ZB 05  If....  1.50 

ZC 07  ZQ.-..  2.00 

ZD 10  ZR....  2.25 

II 15  ZS-...  2.50 

ZF 20  ZT....  3.00 

Z6 25  ZU..-.  4.00 

ZH 30  ZV--..  5.00 

Zl 40  ZW...  5.50 

ZJ 50  ZX-..-  6.00 

ZK 60  ZY-...  7.50 

ZL 75  ZZ-... 12.50 


Issued  June  1,  1916. 


CALIFORNIA. 

SYMBOLS  FOE  P.  L.  BATES  WHICH  APPLY  TO  AEEA 
AND  FRONTAGE  AND  THEIR  VALUES. 

Area        Frontage  Area       Frontage 

YA .05  Y6 15 071/2 

YB .10 YH 25 07'/2 

YG .021/2 .07'/2  Yl 30 .07'/2 

YD 05    07'/2  YK 50 .07'/2 

YE 071/2 07'/2  YX 25 .10 

YF 10    07'/2  YZ 1.25 .10 

SYMBOLS  FOB  ELEVATOR  BATES  AMD  THEIR  VALUES. 

XA 1.00  XH 25.00 

XB 1.50  XI 35.00 

XD 7.50  XJ  40.00 

XD 12.50  XK 50.00 

XE 15.00  XL 60.00 

XF 18.00  XM 75.00 

XG 20.00  XN 250.00 


Issued  June  1,  1916. 


CALIFORNIA. 

SYMBOLS  FOR  RESIDENCE  AND  FARM  RATES 
AND  THEIR  VALUES, 

Comp. 

VA    Compensation 1 5,00 

VB    Compensation 6,00 

VC    Compensation 

Two  Inservants  or  less 4,00 

Each  additional  Inservant 2,50 

RATES— FARMS 

The  rules  and  rates  appearing  on  pages  35,  36  and  including 
the  first  paragraph  on  page  37  under  "Rates — Farms*'  do  not 
apply  in  this  State,  the  following  being  substituted  therefor  : 

For  compensation  or  employers'  liability  written  either 
separately  or  in  connection  with  public  liability,  the  following 
premium  charges  for  each  $100  of  actual  wages  shall  be  made : 

No.        Symbol 

For  all  employees  of  whatever  nature  engaged 
upon  or  in  connection  with  such  farm,  in- 
cluding chauffeurs,  outservants,  inservants, 
occasional  servants,  also  managers,  super- 
intendents and  foremen,  if  engaged  wholly  or 
partly  in  field  work 0006  CF 

For  clerical  office  force  (if  any) 8810     AE 

The  above  rates  are  based  upon  actual  moneys  paid  as 
wages,  and  also  the  value  of  board  and  lodging  (see 
"Estimated  Wages"— "Exceptions— General  Rules/') 


Issued  June  1,  1916. 

CALIFORNIA. 

SYMBOLS  FOR  TEAMS'  RATES  AND  THEIR  VALUES. 

Symbol 

K $50.00 

KA 50.00 

KB 50.00 

KC 50.00 

L                                                                 .   40.00 
LA 40.00 

M  . . .  20.00 

MA 20.00 

MB 20.00 

MC 20.00 

N 16.50 

NA 16.50 

0  .  .  12.50 

OA  12.50 

OB 12.50 

OC 12.50 

OD 12.50 

OE 12.50 

P 10.00 

PA 10.00 

PB 10.00 

PC 10.00 

Q 9.00 

QA 9.00 

QB 9.00 

QC 9.00 

R 7.25 

RA 7.25 

RB 7.25 

RC 7.25 

RD 7.25 

S 6.50 

SA 6.50 

SB 6.50 

SC 6.50 

T 5.00 

TA.... 4..      5.00 

U 2.50 

UA 5.00 

The  above  rates  are  for  Public  Liability  only.  To  cover  private  pleasure 
vehicles,  for  combined  E.  Iv.  and  P.  L.,  excluding  compensation,  increase 
the  rates  by  $1.00. 

9 


Issued  June  1,  1916. 


CALIFORNIA. 

SPECIAL  CLASSIFICATIONS  NOT  IN  BASIC  MANUAL. 

No.     Comp.  P.L.  Teams*  Auto. 

Chimneysweeps 9710    5.24  1.00      R        5 

Fruit  Picking— excluding  box  manufactur- 
ing   0160  1.00  .10  R  5 

Gold  Dredging — including  exploration  oper- 
ations, maintenance  and  repair  of  dredges.  6230  3.98  .50  R  5 

Irrigation  Pipe— laying  of — for  distributing 
water  for  irrigation  purposes  through 
laterals 6330  3.63  .25  R  5 

Irrigation  Works — construction,  including 
extension  of  laterals 6229  3.63  .25  R  5 

Irrigation  Works— operation  only 0251     1.04     .40      R    4/1 

Olive  Handling,  Sorting,  Curing  and  Packing    2106     1.00     .03      R        5 

Reclaiming  Swamp  Lands — rate  applies  to 
all  employees  engaged  in  any  capacity  in 
connection  with  the  work 6047  3.98  .50  R  5 

Rolling  Chairs— operating 9720      .50      —      —        — 

P.  L.  y*  of  1%  of  gross  receipts. 

Trees — fumigating  only  (no  pruning,  spray- 
ing, repairing  or  trimming.)  Not  avail- 
able for  division  of  payroll. 

In  towns  and  cities 0102    2.50     .50      R        5 

Outside  towns  and  cities 0103    2.50     .25      R        5 

Wood  Chopping,  Tie  Making  and  Bark 
Peeling— no  mill  hazard 2  703  4. 7  7  .10  R  5 


10 


a.   * 


9,      8 

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»  fa  »<*  A1*    <S 

-.;. 


October  19,  1916. 


CALIFORNIA. 

CLASSIFICATIONS  IN  BASIC  MANUAL  NOT  AYAILABLE 
IN  THIS  STATE. 

Jams,  Jellies  and  Preserves— preparing  (not  canneries). 
Fruit  Preserving — (not  canneries). 


11 


GENERAL  NOTICE. 

Rules,  Instructions,  Rates  and  Classifications,  given  in  this 
Manual  become  effective  from  date  of  issue  of  the  state 
rate  sheets  attached  hereto,  for  both  new  business  and 
renewals,  and  supersede  all  previous  Manual  Rules,  Instruc- 
tions, Rates  and  Classifications  promulgated  by  this  Company. 


(3) 


GENERAL  INSTRUCTIONS. 

Representatives  of  the  Company  should  read  very  carefully 
the  rules,  classifications,  and  rates  contained  in  this  Manual. 
No  deviations  or  alterations  will  be  permitted,  except  as  they 
are  promulgated  officially  by  the  Company.  When  changes 
in  this  Manual  are  made,  agents  will  be  notified  as  promptly 
as  possible,  and  they  shall  thereupon  enter  such  changes 
herein,  and  be  governed  thereby. 

Representatives  must  be  especially  careful  to  see  that 
every  portion  of  the  application  or  proposal  for  insurance  is 
correctly  prepared,  as  this  is  the  basis  of  the  insurance  con- 
tract, and  any  inaccuracy  or  uncertainty  as  to  the  nature  of 
the  risk  may  lead  to  serious  misunderstanding  and  result  in 
dissatisfaction  to  the  assured,  to  the  Company  and  to  its 
representatives.  Classifications  shall  be  stated  as  in  the 
Manual,  and  an  estimate  of  payroll,  with  the  proper  premium 
rate,  shall  appear  in  all  applications  or  proposals. 


(4) 


POLICY  FORMS. 

Any  risk  which  involves  the  liability  of  the  employer,  either 
(or  compensation  or  for  damages  for  bodily  injuries  to  his  em- 
ployees, shall  be  insured  under  the  form  prescribed  by  the 
Company  with  due  regard  to  the  specific  policy  requirements 
of  each  state. 

It  has  been  the  practice  of  the  Company  in  the  past, 
in  some  instances,  to  cover  the  liability  to  employees 
and  to  the  public  in  a  single  policy.  This  practice 
will  entirely  cease  hereafter  except  as  respects  General  Lia- 
bility policies  covering  private  residences  and  Automobile 
Liability  policies  covering  private  automobiles  where  such 
policies  do  not  include  an  obligation  for  compensation. 

As  a  result  of  this  change,  all  forms  of  General  Liability 
policies  are  withdrawn  as  such  except  as  noted. 

The  "  General  Liability  "  form  will  hereafter  be  known  as 
the  "Owners',  Landlords'  and  Tenants'  Public  Liability" 
form,  abbreviated  to  "  0.,  L.  and  T.  Public  Liability." 

The  Public  Liability  form  becomes  the  "  Manufacturers'  " 
or  "  Contractors'  Public  Liability  "  form. 

The  "Contingent"  form  becomes  the  "Owners'  or 
Contractors'  Protective  Liability  ' '  form. 

The  "  Elevator  Liability "  form  becomes  the  "  Elevator 
Public  Liability  "  form. 

The  "Teams'  Liability"  form  becomes  the  "Teams'  Public 
Liability  "  form. 

The  "  Automobile  Liability "  form  becomes  the  "  Auto- 
mobile Public  Liability  "  form. 

The  "Theatre  Liability  "  form  becomes  the  "Theatre 
Public  Liability  "  form. 


(6) 


Reprinted  Page — September  #5,  1916. 


ESTIMATED  WAGES. 

Applications  or  proposals  for  compensation  or  liability 
insurance,  whether  new  business  or  renewals,  should  state 
as  accurately  as  possible  the  estimated  expenditure  for  the 
contemplated  term  of  the  policy;  and,  where  obtainable  the 
actual  expenditure  of  wages  for  the  preceding  policy  or  calendar 
year  should  also  be  stated  as  an  indication  of  the  sufficiency 
of  the  estimate. 

Whenever  employees  are  paid  in  whole  or  in  part,  on  the 
basis  of  piece  work  or  any  basis  other  than  that  of  time  act- 
ually engaged  in  work,  or  by  board,  store  certificates,  mer- 
chandise, credits,  or  any  other  substitute  for  cash,  such  form 
of  payment  shall  be  considered  as  wages  or  part  wages,  to  be 
included  in  the  actual  disbursements  reported  at  the  time  of 
expiration  of  the  policy  upon  which  the  adjustment  of  premium 
is  made.  The  statement  of  wages  expended  shall  not,  however, 
include  special  reward  for  meritorious  achievements,  for  dis- 
covery* nor  pure  gratuities,  nor  the  results  of  voluntary  profit- 
sharing  arrangements  provided  these  or  any  of  them  are  no 
part  of  the  contract  of  employment,  or  the  actual  considera- 
tion therefor. 

In  states  where  the  Compensation  Act  permits  the  insur- 
ance of  individual  employers  and  members  of  co-partnerships 
under  Workmen's  Compensation  policies,  premium  shall  be 
based  upon  an  estimated  wage  value  of  $1500  for  each 
employer  at  an  increase  of  50%  over  the  Manual  rate  for  the 
classification  in  which  the  employer  is  insured,  subject  to 
specific  minimum  premium  per  individual  employer  of  $10. 


(6) 


Reprinted  Page— July  17,  1916. 
PAYROLL  RULES  FOR  COMPENSATION  POLICIES. 

The  compensation  rates  in  this  Manual  shall  be  applicable  to 
the  remuneration  of  all  employees  of  the  assured  without  excep- 
tion, and  compensation  policies  shall  not  be  written  except  upon 
the  entire  payroll,  which  shall  be  divided  into  classifications 
where  specifically  permitted  or  directed  by  these  rules,  but  not 
otherwise.  Under  no  circumstances  shall  a  compensation 
policy  be  written  on  any  part  of  a  plant  leaving  another  part 
of  the  plant  uninsured.  The  following  specific  rules  shall 
govern  the  treatment  of  payroll  as  the  basis  of  premium  for 
compensation  policies. 

1.  DIVISION  OF  PAYROLL.— The  operative  procedure  within 
a  given  plant  shall  not  be  subject  to  division  into  several 
manual  classifications  where  the  employees  are  engaged,  or  the 
different  operations  are  conducted  in  such  a  manner  that  they 
are  all  brought  together,  the  employees  being  commonly 
exposed  to  the  general  hazard  of  the  enterprise  which  is  best 
represented  by  its  governing  classification.  Under  such  cir- 
cumstances, the  place  of  the  work  of  the  employees  is  such  that 
they  are  subjected  to  the  common  hazard  whether  or  not  the 
employees  are  interchangeable  and  the  governing  classification 
must  apply  to  all  without  sub-division. 

If,  however,  there  are  distinct  enterprises  (meaning  thereby 
operations  which  are  specifically  classified  in  this  Manual)  con- 
ducted in  a  given  plant  by  the  same  employer  and  the  entire 
work  in  each  enterprise  is  conducted  either  in  a  separate  building 
or  on  a  separate  floor  or  floors  of  a  building,  the  employer  con- 
ducting each  of  such  enterprises  as  a  separate  undertaking  with 
separate  records  of  payroll,  then  such  separate  undertakings 
shall  each  be  classified  according  to  the  Manual  and  the  proper 
premium  rate  applied  to  each.  Any  operation,  normally  prevail- 
ing in  the  business  covered  by  the  governing  classification  as 
defined,  cannot  be  treated  as  a  separate  enterprise  within  the 
meaning  of  the  rule. 

The  governing  classification  of  a  risk  is  defined  as  that  class- 
ification which  carries  the  largest  amount  of  payroll.  This 
does  not  include  the  standard  exceptions  noted  in  paragraphs 
3  to  12  inclusive. 

(7) 


When  a  risk  is  written  on  a  divided  payroll  basis,  the  payroll 
of  all  employees  not  specifically  classified  (such  as  engineers, 
watchmen  and  shipping  clerks)  must  take  the  rate  of  the 
governing  classification. 

2.  "NOT  AVAILABLE  FOE  DIVISION  OF  PAYROLL".— This 
expression  which  is  used  as  a  part  of  certain  classifications 
contained  in  this  Manual,  means   that  the  classification   so 
indicated  is    only  available  for  use  when  the  classification 
specifically  describes  the  entire  operations.    Such  classification 
cannot  be  divided  or  used  as  a  division  of  any  other  classifica- 
tion in  the  Manual. 

This  does  not  apply  to  the  standard  exceptions  noted  in 
paragraphs  3  to  12  inclusive. 

3.  EXECUTIVE  OFFICERS.   "Executive  Officers"  for  the  pur- 
poses of  this  Manual  shall  mean  those  officers  of  a  Corporation 
commonly  known  and  styled  as   President,  Vice-President, 
Secretary  or  Treasurer,  and  shall  include,  in  addition  thereto, 
any  other  executive  officers  enumerated  in  and  empowered  by 
the  Charter  or  any  regularly  adopted  By-Law  of  the  Corpora- 
tion and  who  are  elected  or  appointed  and  empowered  by  the 
Directors.     Note  "Exceptions"  sheet  for  specific  states. 

The  remuneration  of  executive  officers  shall  be  excluded 
from  the  payroll  upon  which  the  premium  rates  are  charged 
unless  the  duties  or  practices  of  such  executive  officers  expose 
them  to  any  operative  hazard  of  the  business,  in  which  case 
the  payroll  of  such  officers  must  be  included  at  the  rate  of 
the  governing  classification. 

4 .  CLERICAL  OFFICE  EMPLOYEES  shall  mean  only  those  whose 
duties  are  confined  to  keeping  the  books  and  records  of  the 
assured  and  conducting  correspondence,  or  who  are  engaged 
wholly  in  office  work  where  such  books  and  records  are  kept  or 
such  correspondence  is  conducted,  having  no  other  duty  of  any 
nature  in  or  about  the  assured's  premises.      The  actual  remu- 
neration of  such  clerical  office  force  shall  be  stated  separately 
in  the  proposal. 

(8) 


5.  SALESMEN  (OUTSIDE),  COLLECTORS  AND  MESSENGERS 
shall  include  all  employees  engaged  in  these  duties  where  their 
principal  duties  are  outside  of  the  plant.    The  entire  remun- 
eration of  these  employees,  including  those  whose  duties  take 
them  outside  the  home  state  of  the  assured  shall  be  separately 
stated  in  the  proposal.     Note  "Exceptions"  sheet  for  specific 
states. 

6.  DRAUGHTSMEN  whose  duties  are  limited  to  the  office  only 
and  who  are  engaged  strictly  in  that  profession  in  such  a  manner 
that  they  are  not  exposed  to  the  operative  hazard  of  the 
plant  shall  be  included  with  the  clerical  office  employees, 
the  entire  remuneration  of  such  draughtsmen  being  stated  in 
the  proposal.    If  any  draughtsmen  in  the  performance  of  their 
duties  are  exposed  to  any  operative  hazard  of  the  business,  the 
entire  remuneration  of  such  draughtsmen  shall  be  included  with 
the  governing  classification  and  subjected  to  the  rate  for  that 
classification. 

7.  DRIVERS  AND  DRIVERS'  HELPERS  shall  include  those 
whose  principal  duties  are  performed  upon  teams  in  either 
capacity.     The  entire  remuneration  of  such  drivers  and  their 
helpers,  including  stablemen,  shall  be  separately  stated  in  the 
proposal  and  shall  be  subject  to  the  premium  rate  provided  in 
this  Manual  except  as  to  such  classifications  which  specifically 
direct  that  the  rate  for  the  classification  shall  also  be  the  rate 
for  drivers  and  their  helpers. 

8.  CHAUFFEURS  AND  CHAUFFEURS'  HELPERS  shall  include 
all  employees  whose  principal  duties  are  performed  upon  or 
in  connection  with  automobiles  in  either  capacity.    The  entire 
remuneration  of  such  chauffeurs  and  their  helpers,  including 
incidental  garage  employees,  shall  be  separately  stated  in  the 
proposal  and  subject  to  the  premium  rate  provided  in  this 
Manual  except  as  to  such  classifications  which  specifically 
direct  that  the  rate  for  the  classification  shall  also  be  the  rate 
for  chauffeurs  and  their  helpers. 

(9) 


'  9.  BLASTING — The  classifications  in  this  Manual  include 
incidental  blasting  except  where  the  classification  itself 
specifically  excludes  blasting,  in  which  event  the  payroll  for 
blasting  shall  be  separately  stated  in  the  proposal  and  charged 
for  at  the  "Blasting"  rate.  The  rate  for  blasting  given  in 
this  Manual  shall  apply  to  the  remuneration  of  all  employees 
engaged  in  the  storage,  handling  or  use  of  explosives, 
including  loading,  capping,  connecting  and  firing.  There 
shall  universally  be  added  to  the  minimum  premium  of  any 
compensation  policy  in  which  blasting  operations  are 
separately  rated,  the  sum  of  $25.00  as  an  additional 
minimum  for  this  item. 

10.  STAMPING  shall  include  those  employees  whose  principal 
duties  consist  of  operating  power  driven  machines  used  for 
cold  blanking,   shearing,    trimming,    drawing,    punching  or 
stamping  metal,  where  the  operator  must  place  each  piece 
under  the  die  or  point  of  contact  at  each  operation  of  the  press. 
The  rate  for  the  governing  classification  of  the  risk  shall  be 
the  rate  for  the  stamping  unless  such  governing  classification 
specifically  excludes  stamping,  in  which  event  the  stamping 
payroll  shall  be  stated  separately  and  classified  and  rated  under 
the  classification  "  Stamping — metal." 

11.  RAILROAD  HAZARD  shall  include  those  employees  who 
are  engaged  in  the  construction,  maintenance  and  operation  of 
the  railroad  facilities  connected  with  the  plant  or  operation 
which  is  the  subject  of  insurance.    If  the  railroad  is  operated 
entirely  by  employees  of  the  assured  and  exclusively  for  the 
purpose  of  conducting  the  manufacturing  or  construction 
operations  which  are  otherwise  the  subject  of  the  insurance,  and 
if  such  railroad  has  no  connection  with  or  entry  upon  the  tracks  of 
any  other  railroad,  then  the  remuneration  of  all  employees 
engaged  in  the  operation  of  such  railroad  shall  be  subject  to  the 
rate  for  the  governing  classification.    The  remuneration  of  all 
employees  engaged  in  the  maintenance  or  construction  of  such 
railroad  and  the  remuneration  of  all  employees  engaged  in 
operation  where  the  foregoing  conditions  do  not  exist  shall  be 

(10) 


separately  stated  in  the  proposal  and  subject  to  the  rate  given 
in  this  Manual  under  the  classification  "Railroad  Hazard- 
Manufacturers'  and  Contractors'  Risks."  Logging  railroads 
are  not  covered  by  any  of  the  preceding  rules.  The  entire 
remuneration  of  all  employees  engaged  on  such  railroads  shall 
be  separately  stated  and  the  rate  for  logging  railroads  given  in 
this  Manual  shall  be  applicable. 

12.  ADDITIONS  TO  ,  ALTERATIONS  AND  REPAIRS.— The  entire 
remuneration  of  all  employees  engaged  in  making  additions 
to,  alterations  or  repairs  of  the  assured's  existing  buildings 
or  plants  must  be  separately  stated  in  the  proposal  and  sub- 
jected to  the  premium  rate  provided  by  this  Manual. 


PAYROLL  RULES  FOR  PUBLIC  LIABILITY  POLICIES. 

The  payroll  basis  for  Public  Liability  policies  shall  be  the 
same  as  that  required  by  these  rules  for  Compensation  policies 
except  as  follows : 

Where  a  Public  Liability  policy  is  written  in  any  form,  payroll 
being  the  basis,  if  such  policy  be  written  concurrently  with 
a  Compensation  policy,  the  public  liability  rates  shall  not  apply 
to  the  remuneration  of  executive  officers  or  clerical  office  em- 
ployees ;  and  if  the  Public  Liability  policy  written  concurrently 
with  a  Compensation  policy,  is  also  written  concurrently 
with  a  Teams'  Public  Liability  policy  or  an  Automobile  Public 
Liability  policy,  the  public  liability  rate  shall  not  apply  to 
the  remuneration  of  drivers  or  chauffeurs,  except  for  such 
classifications  as  specifically  require  their  inclusion.  These 
exclusions  shall  not  affect  the  coverage  afforded  by  the 
Public  Liability  policy,  but  there  shall  be  no  exclusions 
other  than  those  enumerated. 


(12) 


Reprinted  Page — October  19,  1916. 
RATES. 

The  purpose  of  the  various  rates  given  in  this  Manual  is 
Indicated  by  an  abbreviated  title  at  the  head  of  each  rate 
column.  The  first  rate  column  bears  the  heading  "  Comp. " 
This  is  an  abbreviation  of  the  word  "  Compensation. "  The 
rates  in  this  column  cover  the  liability  of  the  employer  either 
for  compensation  or  for  damages  for  bodily  injuries  to  his 
employees  including  the  obligation  for  statutory  medical  aid. 
No  Compensation  policy  shall  be  written  to  cover  any  volun- 
tary medical  or  surgical  aid  except  that  expressed  in  the 
statutory  obligation.  These  rates  provide  unlimited  coverage 
as  to  amount  and  are  to  be  applied  to  each  $100.00  of  payroll. 

The  second  column  is  entitled  "  P.L."  which  is  an  abbrevia- 
tion for  "  Public  Liability."  These  rates,  with  exceptions  as 
noted,  are  also  for  each  $100.00  of  payroll  and  are  available  for 
writing  business  concurrently  with  compensation  insurance,  or 
Independently  thereof. 

Rates  in  the  P.  L.  column  which  do  not  apply  to  payroll  or 
to  area  and  frontage  are  designated  viz  :  (a)  which  means 
refer  to  Home  Office,  (b)  refer  to  pages  52  and  53. 

The  rates  provided  in  this  Manual  for  Public  Liability 
cover  only  claims  for  damages  or  bodily  injuries  to  persons 
not  employed  by  the  assured,  which  injuries  are  caused  by 
the  operations  described  in  the  Manual  classification.  The 
rates  in  this  Manual  do  not  cover  claims  for  injuries  arising 
from  the  consumption  or  use  by  the  public  away  from  the 
premises  described  in  the  policy  of  any  article  or  product" 
manufactured,  handled,  or  distributed  by  the  assured. 

The  third  column  is  entitled  "  Teams  "  and  provides  the 
rate  for  writing  risks  upon  the  Teams'  Public  Liability  form. 
The  rates  as  expressed  are  for  each  team  covered  by  the  policy 
limited  to  public  liability  only  and  include  the  loading  and 
unloading  hazard. 

The  fourth  column  is  entitled  "Auto."  which  is  an  abbrevia- 
tion for  "automobile"  and  indicates  the  class  to  which  the 
particular  automobile  is  assigned  in  the  Automobile  Manual  to 
which  reference  should  be  made  in  order  to  determine  the 
proper  rate. 

The  "  Comp.",  "  P.  L."  and  "  Teams* "  rates  are  expressed 
by  symbols,  the  value  of  which  may  be  ascertained  by  refer- 
ence to  the  state  rate  sheets  which  are  attached  to  this  Manual. 

Rates  for  Elevator  Public  Liability  insurance  will  be  found 
on  page  28. 

(13) 


LONG  TERM  POLICIES. 

All  rates  in  this  Manual,  unless  otherwise  expressly  stated, 
are  for  one  year,  and  no  discounts  therefrom  shall  be  made  for 
policies  written  for  a  longer  term  than  one  year,  except  as 
specifically  provided  in  the  rules  governing  Elevator  Public 
Liability  and  Owners',  Landlords'  and  Tenants'  Public 
Liability  Insurance. 


U4> 


MINIMUM  PREMIUMS. 

A  minimum  premium  is  an  expression  of  the  lowest  pre- 
mium amount  for  which  a  single  risk  can  be  written  and  carried 
for  a  period  of  one  year.  Where  the  actual  premium  computed 
at  the  rates  is  less  than  the  minimum  premium,  the  minimum 
shall  be  the  controlling  premium  for  the  policy,  but  where  the 
actual  premium  computed  at  the  rates  is  more  than  the  mini- 
mum, the  actual  premium  shall  control.  In  the  event  of  the 
cancellation  of  any  policy  of  insurance  where  the  minimum 
premium  is  the  controlling  premium,  if  cancelled  by  the  com- 
pany such  cancellation  shall  be  upon  the  basis  of  a  pro  rata 
amount  of  the  minimum  premium  for  the  time  the  policy  was 
in  force.  If  cancelled  by  the  assured  the  company  shall  retain 
the  minimum  premium  expressed  in  the  policy. 

The  minimum  premium  for  all  Compensation  policies  shall 
be  $10.00  except  for  contractors'  policies  (contractors'  classi- 
fications being  prefixed  by  f)  for  which  the  minimum  premium 
shall  be  $20.00.  These  minimum  premiums  shall  control  as  to 
all  classifications  unless  in  connection  with  any  given  classi- 
fication a  special  minimum  for  that  classification  is  provided 
in  this  Manual,  in  which  event  the  special  minimum  shall 
control. 

Every  Compensation  policy  in  which  blasting  operations  are 
separately  rated  shall  provide  a  separate  and  entirely  additional 
minimum  for  that  item  of  $25.00. 

The  minimum  premium  for  an  Owners'  or  Contractors' 
Protective  Liability  policy  shall  be  $20.00. 

The  minimum  premium  for  Public  Liability  policies  shall  be 
$5.00  except  in  classifications  for  which  this  Manual  provides  a 
special  minimum.  In  these  classifications  the  special  minimum 
shall  control. 

The  minimum  premium  for  an  Owners',  Landlords'  and 
Tenants'  Public  Liability  policy  on  risks  other  than  residences 
and  farms  excluding  any  payroll  element  and  any  elevator, 
shall  be  $6.00  per  building  per  annum,  except  as  otherwise 
provided. 

For  minimum  premiums  for  residence  and  farm  risks,  see 
"Residence  and  Farm  Rules." 

(15) 


The  minimum  premium  for  a  Theatre  Public  Liability 
Policy  shall  be  $50.00  per  theatre  in  towns  of  less  than  40,000 
population;  elsewhere,  $100.00  per  theatre.  These  minimums 
shall  also  apply  to  Moving  Picture  Theatres. 

For  minimum  premiums  for  Teams'  Property  Damage,  see 
"Teams'  Property  Damage  Insurance." 

The  minimum  premium  for  a  Teams'  Public  Liability  policy 
shall  be  the  annual  premium  for  the  highest  rated  team  insured 
under  the  policy. 

The  minimum  premium  for  an  Automobile  Public  Liability 
policy  shall  be  as  provided  in  the  Automobile  Manual. 

If  a  public  liability  policy  of  any  form  is  written  for  limits 
greater  than  "standard  limits"  the  minimum  premium  shall 
be  increased  in  the  same  proportion  as  the  basis  rate. 

Where  the  rules  in  this  Manual  provide  for  a  charge  for 
additional  interests,  the  minimum  premium  for  the  form  of 
policy  used  shall  be  increased  in  the  same  proportion. 


POLICY  LIMITS. 

The  compensation  rates  in  this  Manual  provide  for  insurance 
without  limit  as  to  amount.  All  other  rates  in  this  Manual 
provide  for  insurance  for  "  standard  limits  "  (so-called),  which 
limits  are  $5,000  for  any  one  person  injured  and,  subject  to  that 
amount  for  each  person,  a  total  limit  of  $10,000  for  any  number 
of  persons  injured  in  the  same  accident.  No  policy  shall  be 
written  for  limits  below  standard  limits. 

The  standard  limits  may  be  increased  by  increasing  the 
Manual  rate  as  provided  in  the  following  tables  of  limits.  In 
these  tables  the  Manual  rate  is  100  per  cent  and  the  increases 
thereon  are  indicated  by  the  additional  percentages.  These 
percentages  are  expressed  in  three  tables  marked  respectively 
"A","B"and"C." 


Classes  of  risks  to  which  table  "A"  applies: 


Amusement  Parks. 

Ball  Parks. 

Blasting. 

Billiard  and  Bowling  Halls. 

Cartridge  Mfg. 

Elevators — all  classes  whether 
written  on  an  "0.,  L.  and  T" 
form  or  written  separately  on 
an  Elevator  Public  Liability 
form. 

Expositions  or  Exhibitions. 

Fireworks  Mfg. 

Fuse  Mfg. 

Gas  Works — laying  of  mains 
and  connections  (no  tunnel- 
ing or  blasting)  including 
gas  explosion,  inhalation  or 
asphyxiation. 


Gas  Works — operating  of  gas 
house,  maintenance  of  exist- 
ing works  and  mains,  and 
making  of  house  connections, 
including  gas  explosion,  in- 
halation or  asphyxiation. 

Gasoline  and  Oil  Supply  Sta- 
tions (for  supplying  automo- 
biles and  motor  boats). 

Halls  for  Lodge  Meetings,  Ban- 
quets and  Balls. 

Horse  Shows. 

Moving  Picture  Shows. 

Theatres. 

Vessels — all  classes. 

Wrecking  (not  marine). 


(17) 


Classes  of  risks  to  which  table  "B"  applies: 


Advertising  Signs — maintenance 
and  operation — all  classes. 

Apartment  Hotels  and  Hotel 
Apartments. 

Asylums. 

Autogenous  Cutting  and  Weld- 
ing (oxy-acetylene  process) 
including  shop. 

Baths. 

Building  Moving. 

Building  raising  and  shoring. 

Cement  Mfg.,  including  quarry- 
ing. 

Concrete  Work — buildings  (not 
grain  elevators)  reinforced 
concrete  construction,  with 
self-bearing  floors  or  other 
horizontal  surfaces  or  parts, 
constructed  by  means  of  rein- 
forced concrete. 

Concrete  Work — Grain  Eleva- 
tors. 

Department   Stores. 

Dry  Goods  Stores — retail. 

Electric  Light  and  Power  line 
construction  work  exclusively, 
with  erection  of  poles  (not 
available  for  division  of  pay- 
roll). 

Electric  Light  and  Power  Com- 
panies —  operation,  mainte- 
nance, extension  of  lines  and 
making  of  service  connec- 
tions. 

Hospitals. 

Hotels. 

Iron  Work — erecting  and  repair- 
ing balconies,  fire  escapes, 


railings,  staircases,  coal 
chutes,  iron  shutters  (out- 
side of  buildings). 

Iron  Work — erecting  steel  and 
iron  frame  structures. 

Iron  Work — placing  iron  and 
steel  store  fronts  as  altera- 
tions of  existing  buildings. 

Lime  Mfg.  —  including  quarry- 
ing. 

Motion  Pictures — production  of, 
in  studios  and  outside — in- 
cluding all  operations  up  to 
the  development  of  negatives. 

Oxy-Acetylene  Cutting  and 
Welding  (autogenous),  in- 
cluding shop. 

Quarries — all  classes. 

Railroad  Construction — electric 
— rail  joint  welding  in  street 
by  molten  metal  or  elec- 
tricity. 

Restaurants. 

Riding  Academies. 

Sales  Stables — incuding  exhi- 
bition and  delivery  of  horses. 

Sewer  Building — all  classes. 

Slag — excavation  and  loading 
on  cars,  with  or  without 
blasting. 

Stone  Crushing  —  including 
quarrying. 

Subways  Construction  —  all 
classes. 

Teams — all  classes. 

Tunneling — including  all  work 
to  completion. 

Turkish  Baths. 


(18) 


For  all   other    classifications    of  every    description,   except 
automobiles,  table  "  C"  shall  apply. 

For  Automobiles,  SEE  AUTOMOBILE  MANUAL. 
TABLE  "A" 

Lower 

Limits     5.  7.5  10.  15.       20.  25.  30.       40.       50. 

Upper 

Limits 

10     100.  107.  110. 

15     112.  120.  123.  128. 

20     120.  128.  132.  137.  139. 

25     126.  135.  139.  144.  146.  147. 

30     130.  139.  143.  148.  151.  152.  153. 

35     133.  142.  146.  152.  154.  156.  157. 

40     135.  145.  149.  154.  157.  158.  160.     162. 

45     137.  147.  151.  157.  159.  161.  162.     164. 

50     139.  149.  153.  159.  161.  163.  164.     166.     167. 

60     141.  151.  155.  161.  164.  165.  167.     169.     170. 

70     143.  153.  157.  163.  166.  167.  169.     171.     172. 

80     144.  154.  158.  164.  167.  168.  170.     172.     173. 

90     145.  155.  159.  165.  168.  170.  171.     173.     174. 

100     146.  156.  161.  166.  169.  171.  172.     174.     175. 

125     148.  158.  163.  169.  172.  173.  175.     177.     178. 

150     150.  160.  165.  171.  174.  175.  177.     179.     180. 

175     152.  163.  167.  173.  176.  178.  179.     182.     183. 

200     154.  165.  169.  176.  179.  180.  182.     184.     185. 

225     156.  167.  172.  178.  181.  182.  184.     186.     187. 

250     158.  169.  174.  180.  183.  185.  186.     189.     190. 

300     160.  171.  176.  182.  186.  187.  189.     191.     192. 

TABLE  "B" 

Lower 

Limits     5.  7.5  10.  15.       20.  25.  30.       40.       50. 

Upper 

Limits 

10      100.  106.  108. 

15      110.  117.  120.  123. 

20     117.  124.  127.  131.  133. 

25     122.  130.  133.  137.  139.  140. 

30     125.  133.  136.  141.  143.  144.  145. 

35     128.  136.  139.  144.  146.  147.  148. 

40     130.  138.  142.  146.  149.  150.  151.     152. 

45     132.  140.  144.  148.  151.  152.  153.     155. 

50     133.  141.  145.  150.  152.  153.  154.     156.     157. 

60     135.  144.  147.  152.  154.  156.  157.     158.     159. 

70     136.  145.  149.  153.  156.  157.  158.     160.     161. 

80     137.  146.  150.  155.  157.  158.  159.     161.     162. 

90  138.  147,  151.  155.  158.  159.  160.  162.  163. 

100  139.  148.  151.  156.  159.  160.  161.  163.  164. 

125  141.  150.  153.  158.  161.  162.  163.  165.  166. 

150  142.  151.  155.  160.  163.  164.  165.  167.  168. 

175  144.  153.  157.  162.  165.  166.  167.  169.  170. 

200  146.  155.  159.  164.  167.  168.  169.  171.  172. 

225  148.  157.  161.  166.  169.  170.  171.  173.  174. 

250  149.  159.  163.  168.  171.  172.  173.  175.  176. 

300  151.  160.  165.  170.  173.  174.  175.  177.  178. 

(19) 


TABLE  "C" 

Lower 

Limits  5.  7.5  10.  15.  20.  25.  30.       40.       50. 

Upper 
Limits 

10  100.  104.  106. 

15  107.  112.  114.  117. 

20  112.  117.  119.  122.  123. 

25  116.  121.  123.  126.  127.  128. 

30  118.  123.  126.  129.  130.  131.  132. 

35  120.  125.  128  131.  132.  133.  134. 

40  121.  127.  129.  133.  134.  135.  136.  137. 

45  122.  128.  131.  134.  135.  136.  137.  138. 

50  123.  129.  132.  135.  137.  138.  139.  140   141. 

60  125.  131.  133.  137.  138.  139.  140.  141.  142. 

70  126.  132.  134.  138.  139.  140.  141.  142.  143. 

80  126.  132.  135.  138.  140.  141.  142.  143.  144. 

90  127.  133.  136.  139.  141.  142.  143.  144.  145. 

100  128.  134.  136.  140.  142.  143.  144.  145.  146. 

125  129.  135.  138.  141.  143.  144.  145.  146.  147. 

150  130.  136.  139.  143.  144.  145.  146.  147.  148. 

175  131.  138.  140.  144.  146.  147.  148.  149.  150. 

200  132.  139.  142.  145.  147.  148.  149.  150.  151. 

225  134.  140.  143.  147.  148.  149.  150.  152.  153. 

250  135.  141.  144.  148.  150.  151.  152.  153.  154. 

300  136.  143.  146.  149.  151.  152.  153.  154.  155 


(20) 


ADDITIONAL  INTERESTS. 

Two  or  more  employers,  engaged  in  a  common  enterprise 
Involving  a  common  payroll  and  subject  to  pay  compensa- 
tion, may  obtain  a  compensation  policy  without  additional 
charge  because  of  the  additional  interests  involved,  it  being 
understood  that  there  is  but  one  obligation  for  compensation, 
or  the  employers*  liability  for  damages. 

As  to  all  other  lines  covered  by  this  Manual,  no  policy 
shall  be  written  to  cover  more  .than  one  insurable 
interest,  except  under  and  in  accordance  with  rules  contained 
in  this  Manual.  The  following  general  rule  shall  apply  to  all 
classes  of  risks  except  such  as  are  insured  under  the  following 
forms  of  policy : 

Automobile  Public  Liability  Policy 

Elevator  Public  Liability  Policy 

Owners',  Landlords',  and  Tenants'  Public  Liability  Policy 

Theatre  Public  Liability  Policy 

for  which  classes  of  risks  see  specific  rules  applicable  to  each  class. 

Liability  policies  issued  to  cover  more  than  one  person, 
firm,  corporation,  or  estate  shall  be  considered  as  written  to 
cover  an  additional  interest,  except  as  follows: 

(a)  Policies  issued  to  cover  the  estate  of  a  deceased  person, 
where  an  executor  or  administrator  is  named,  although 
so  expressed  as  to  cover  the  individual  interest  of  such 
executor  or  administrator,  involve  but  one  insurable 
interest. 

(6)  Co-owners  or  partners  in  the  subject  matter  of  the 
insurance  may  be  covered  under  one  policy  as  one  in- 
terest, without  additional  charge,  although  the  policy 
is  so  written  as  to  cover  the  individual  interest  of  each 
owner  or  partner. 

Under  all  other  conditions  the  following  percentage  shall 
be  added  to  the  Manual  "rate,  or  any  increase  of  that  rate  for 
increased  limits: 

For  one  additional  interest, 25% 

For  two  additional  interests, 35% 

For  three  or  more  additional  interests, 45% 

(21) 


AUTOMOBILE  INSURANCE. 

The  rules  and  rates  of  the  Company  for  Automobile  Public 
Liability  insurance,  also  Property  Damage  and  Collision  in 
connection  therewith,  are  not  included  in  this  Manual.  Refer- 
ence is  made  to  a  separate  Manual  for  these  lines. 


(22) 


ELEVATOR  PUBLIC  LIABILITY. 

An  "  Elevator  "  in  the  sense  of  this  Manual  is  any  plat- 
form hoist,  operated  by  muscular  or  mechanical  power,  and 
intended  or  used  for  the  conveyance  of  persons  or  goods,  or 
both.  This  definition  is  not  intended  to  include  dumbwaiters. 

The  general  elevator  classification  and  rates  shall  apply 
to  all  elevators  used  for  conveying  passengers,  freight  or  both 
(combination)  except  as  modified  by  the  following  special 
classifications. 

The  following  definitions  of  terms  used  in  special  elevator 
classifications  are  intended  for  instruction  and  guidance  in 
the  application  of  the  rates  and  must  be  strictly  observed. 

A  "  Sidewalk  Elevator "  is  an  elevator  maintained  and 
operated  outside  the  walls  of  the  building,  the  platform 
of  which  does  not  rise  above  the  ground  or  sidewalk  level. 

A  "One-story  Elevator"  is  an  elevator  maintained  and 
operated  within  the  walls  of  the  building,  having  a  total  rise 
of  not  more  than  twenty  feet,  and  having  not  more  than  two 
landings  above  the  bottom  of  the  shaft. 

If  an  elevator,  having  landings  in  cellar  and  at  ground 
floor  but  no  landing  above  ground  floor,  also  has  a  landing  in 
a  sub-cellar,  the  total  rise  of  the  elevator  from  sub-cellar  to 
ground  floor  being  not  more  than  twenty  feet,  such  elevator 
shall  be  classed  and  rated  as  a  "  One-Story  Elevator." 

A  "  Private  House  Elevator "  is  an  elevator  maintained 
and  used  in  a  building  occupied  by  one  family  only  and  ex- 
clusively as  a  dwelling. 

A  "Factory  Elevator"  is  an  elevator  maintained  and 
used  in  and  for  the  purposes  of  manufacturing  plants  ex- 
clusively, by  one  interest  (individual,  estate,  firm  or  corpora- 
tion) for  manufacturing  or  storage  purposes. 

.  * 

The  following  designs  of  elevators  shall  be  classed  and  rated 
as  "  Factory  Elevators  "  wherever  found: 

(23) 


"  Jumper  Elevators,"  being  counterweighted  platform  (with- 
out power)  serving  but  two  floors. 

"Man-Hoists,"  being  of  similar  design  but  serving  more 
than  two  floors. 

Man  elevating  devices  (power  operated)  by  means  of  con- 
tinuous belt  or  chain  provided  with  stirrups  or  small  plat- 
forms. 

A  "  Hand  Hoist "  is  a  lifting  appliance  operated  through 
hatchways  and  without  a  platform,  operation  being  by  means 
of  hand  power,  with  rope  or  chain.  Hand  hoists  opening  upon 
the  sidewalk  shall  take  the  sidewalk  elevator  rate. 

A  "  Wool  Whip/'  is  a  hoisting  device  outside  of  buildings 
used  for  hoisting  bales  of  wool  or  rags. 

A  "Storage  Warehouse  Elevator"  is  an  elevator  main- 
tained and  used  in  buildings  where  merchandise  is  stored, 
but  this  term  shall  not  include  elevators  in  furniture  storage 
warehouses  or  any  buildings  occupied  wholly  or  in  part  for 
wholesale  or  retail  sales  purposes  which  are  subject  to  the 
general  elevator  rates. 

"  Lowerators,"  being  a  trade  name  for  a  gravity  lowering 
device  with  hatchway,  shall  be  rated  and  classed  as  elevators 
under  the  existing  classifications  dependent  upon  location 
and  use. 

A  "  Dumb-waiter  "  is  an  elevating  device  operated  by  hand, 
designed  for  conveying  limited  loads  of  merchandise  or  sup- 
plies, and  so  constructed  as  to  make  it  impossible  to  carry 
persons  upon  it.  No  premium  charge  shall  be  made  for  a 
dumb-waiter  which  fairly  falls  within  this  definition. 

Elevators  with  platforms  on  the  outside  of  buildings,  whether 
operated  by  mechanical  or  hand  power,  shall  be  classed  and 
rated  in  accordance  with  existing  elevator  schedule  dependent 
upon  location  and  use. 

Elevating  devices  in  connection  with  Blast  Furnaces  or 
Ice  Harvesting  Plants  shall  not  be  classed  or  rated  as  elevators 
— no  charge  being  made  therefor. 

(24) 


COVERAGE. — The  elevator  rates  in  this  Manual  provide  in- 
surance for  public  liability  only.  Under  no  circumstances 
can  compensation  insurance  be  written  in  or  endorsed 
upon  an  Elevator  Public  Liability  policy. 

JONG  TERM  POLICIES. — Policies  written  to  cover  the  public 
liability  upon  elevators  either  under  the  Elevator  Public 
Liability  form,  or  the  O.,  L.  and  T.  Public  Liability  form 
but  not  otherwise,  may  be  written  for  a  term  of  three  years, 
and  the  rates  given  in  this  schedule  may  be  discounted 
10%,  provided  the  entire  three-year  premium  is  paid  in 
advance,  or  that  50%  of  such  entire  three-year  premium 
shall  be  paid  in  advance,  30%  thereof  at  the  end  of  the  first 
year  and  20%  thereof  at  the  end  of  the  second  year. 

ADDITIONAL  INTERESTS. — Elevators  insured  as  such  under  the 
rates  given  in  this  schedule  must  not  be  written  to  cover 
more  than  one  insurable  interest,  except  for  an  additional 
premium  charge  of  40%  of  the  premium  rate  stated  in  this 
schedule  for  one  additional  interest,  60%  for  two  additional 
interests,  and  75%  for  three  or  more  additional  interests. 
Such  interests  may  be  those  of  an  individual,  estate,  firm, 
or  corporation,  but  co-owners  may  be  covered  under  one 
policy  without  additional  charge.  Policies  issued  to  cover 
the  estate  of  a  deceased  person,  where  an  executor  or  ad- 
ministrator is  named,  although  so  expressed  as  to  cover 
the  individual  interest  of  such  executor  or  administrator, 
involve  but  one  insurable  interest. 

Where  an  elevator  is  insured  at  the  full  rate  given  in  this 
schedule,  other  policies  on  the  same  elevator  and  for  the 
same  limits,  but  not  otherwise,  may  be  issued  to  other  per- 
sons in  interest  for  a  premium  of  50%  of  the  rates  given  in 
this  schedule,  such  policy,  however,  to  cover  but  one  in- 
terest unless  subjected  to  the  rule  respecting  additional 
interests;  always  provided,  however,  that  the  company 
issuing  the  second  policy  at  reduced  rates  has  previously 
or  concurrently  issued  a  policy  upon  the  same  elevator  at 
the  full  rate  required  in  this  schedule.  Any  such  addi- 
tional policy  so  written  must  be  made  to  expire  at  the  same 

fSSY 


time  with  the  principal  policy,  the  premium  being  adjusted 
pro  rata  for  short  terms.  If  the  principal  policy  provides 
for  greater  than  standard  limits,  the  second  policy  may, 
nevertheless,  be  written  for  standard  limits,  or  may  be 
written  for  the  same  increased  limits  as  the  principal  policy, 
upon  the  same  additional  pro  rata  premium  charge,  but  the 
second  policy  cannot  be  written  for  limits  greater  than  the 
principal  policy.  A  tenant  of  a  part  of  a  building  using  an 
elevator  in  common  with  other  tenants  who  has  no  control 
of  the  elevator  whatever,  and.  who  does  not  operate  such 
elevator,  may  be  covered  as  respects  public  liability  only 
for  50%  of  the  rate  named  in  this  schedule  as  applicable 
to  such  elevator. 

The  rule  contained  in  the  preceding  paragraph  shall  not 
be  available  in  connection  with  any  risk  which  is  written 
at  reduced  rates  under  the  rule  for  "  Landlords'  Protective 
Liability,"  as  contained  in  the  rule  immediately  following. 

LANDLORDS'  PROTECTIVE  LIABILITY. — If  the  owner  or  gen- 
eral lessee  of  a  building  or  buildings  containing  one  or 
more  elevators,  has  leased  the  same  entire  to  another, 
herein  called  the  tenant,  which  tenant  controls  the  elevators, 
operates  them  exclusively,  furnishes  power,  and  has  entire 
charge  and  control  thereof,  an  Elevator  Public  Liability 
policy  may  be  written  to  cover  such  owner  or  general  lessee 
not  in  possession  at  50%  of  the  Manual  rate  applicable 
thereto.  For  the  purposes  of  this  rule  the  50%  reduction 
herein  referred  to  shall  apply,  in  the  case  of  Factory 
Elevators,  to  the  symbol  "XG".  Upon  all  policies  written 
at  the  reduced  rates  provided  by  this  rule  the  following 
endorsement  shall  be  attached: 

The  policy  to  which  this  endorsement  is  attached  is  issued 
and  accepted  at  a  reduced  premium  upon  the  following 
warranties  made  by  the  assured: 

(1)  The  entire  premises  are  leased  by  the  assured  to  another 
herein  called  the  "  Tenant." 

(2)  The  said  tenant  under  such  lease  has  entire  charge  and 
control  of  the  premises  including  elevators  and  boilers. 

(26) 


(3)  The  assured  is  in  no  way  responsible  for  maintenance 
of  the  premises  and  the  making  of  repairs,  the  responsi- 
bility therefor   resting    upon   the    tenant    under  the 
terms  of  the  lease. 

(4)  The  assured  has  no  employees  on  or  about  such  premises. 

(5)  The  conditions  herein  described  will  continue  during 
the  term  of  this  policy. 

GENERAL. — The  rates  in  this  schedule  for  factory  or  storage 
warehouse  elevators  or  for  hand  hoists,  power  hoists,  freight 
escalators,  conveyors  and  others  rated  as  such  are  available 
for  writing  business  only  when  there  is  issued  concurrently, 
in  the  same  company,  with  the  Elevator  Public  Liability 
policy,  a  compensation  policy  and  also  a  general  Public 
Liability  policy.  Where  no  concurrent  "Comp."  or  "P.L." 
is  carried,  the  Factory  Elevator  rate  shall  be  "XG." 


ELEVATOR  RATES. 

Passenger,  Freight  or  Combination  Elevators. 

When  elevator  has  not  more  than  ten  landings.  No.    Symb 

*  Apartment  Hotels 0801    XJ 

*  Department  Stores 0803    XL 

*Hotels                      0805   XJ 

fNot  Otherwise  Classified 0807    XI 

If  elevator  has  more  than  ten  landings: 

*For  each  additional  landing  over  ten XB 

fFor  each  additional  landing  over  ten 0808    XA 

Freight  Escalators  and  Freight  Conveyors,  entirely 
within  buildings  (excluding  baggage  conveyors) : 

One-Story  0809    XD 

Exceeding  One-Story 0810    XH 

Storage  Warehouse  Hoists,  hand  or  power,  without 
platforms  and  operated  through  hatchways,  and 
located  in  buildings  not  occupied  for  furniture 

storage  nor  for  wholesale  or  retail  purposes 0811    XC 

Factory  Elevators : 
When  concurrent  "Comp."and  "P.L."are  carried 

in  the  same  company 0812    XD 

Without  concurrent  "Comp."  and  "P.  L." 0824    X6 

Hoists — Hand  or  Power,  within  buildings,  no  platform  0813    XD 

Wool  Whips 0814   XD 

Storage  Warehouse  Elevators 081 5    XE 

One-Story  Elevators 0816    XF 

Private  House  Elevators 0817    X6 

Sidewalk  Elevators 0818    XH 

Stable  Elevators  (all  kinds) 0819    XI 

Automobile  Salesroom  and  Garage  Elevators,  used 

for  raising  or  lowering  automobiles 0820    XK 

Service  Escalators  in  Hotels  and  Restaurants  (for 

use  of  employees  only) 0821    XK 

Automatic  or  Push-button  Elevators — not  Private 

House  Elevators 0822    XM 

Escalators  or  Moving  Stairways— for  passengers  or 
baggage 0823   XN 

(28) 


OWNERS',  LANDLORDS',  AND  TENANTS'  PUBLIC  LIABILITY. 

This  title  will  be  expressed  by  the  abbreviation  "  O.,  L. 
and  T."  Public  Liability. 

0.,  L.  and  T.  {Public  Liability  policies  cannot  be  written  or 
endorsed  to  include  compensation  coverage. 

0.,  L.  and  T.  Public  Liability  forms  and  rates  may  be  used 
to  write  risks  under  Manual  classifications,  the  first  letter  of 
the  symbol  in  the  P.  L.  column  being  Y  or  the  P.  L.  rate 
designated  by  (b)  but  not  otherwise. 

If,  in  connection  with  an  0.,  L.  and  T.  Public  Liability 
policy,  compensation  coverage, is  desired,  a  separate  Com- 
pensation policy  in  accordance  with  the  rules  and  rates  in 
this  Manual  shall  be  written  concurrently  with  the  0.,  L.  and  T. 
Public  Liability  policy. 

The  rates  for  0.,  L.  and  T.  Public  Liability  insurance  except 
as  otherwise  definitely  expressed,  are  based  upon  each  lineal 
foot  of  frontage  and  each  100  square  feet  of  area,  and  these 
rates  are  in  lieu  of  any  other  charge  for  the  public  liability 
hazard  involved,  except  as  respects  elevators. 

Elevators  must  be  included  at  the  Manual  rates  for  Elevator 
Public  Liability,  or  specifically  excluded  from  the  policy. 

FRONTAGE. — Rate  is  applicable  to  each  lineal  foot  of  street 
frontage.  Rear  buildings  having  frontage  only  on  alley 
or  court  must  be  written  for  same  frontage  rates  as  if 
upon  street.  When  an  assured  not  otherwise  paying 
frontage  charge  on  same  building  occupies  a  basement, 
store,  or  shop,  the  charge  for  frontage  shall  be  only  on  the 
portion  of  the  entire  frontage  of  the  building  which  he 
occupies.  The  frontage  charge  shall  apply  to  all  street 
frontages,  excluding  the  rear  or  sides  of  any  building  or 
portion  thereof  which  abuts  upon  an  alley  not  more  than 
15  feet  wide,  from  building  line  to  building  line.  When 
the  assured,  not  the  owner  or  general  lessee,  occupies  premises 
above  the  first  floor,  no  charge  shall  be  made  for  frontage. 
When  writing  sanitoriums,  hospitals,  schools,  colleges,  public 
libraries,  public  museums  or  public  picture  galleries,  if  the 
buildings  abut  upon  the  street,  the  charge  shall  be  made 
upon  the  entire  frontage  of  the  premises,  but  if  tney  stand 
back  from  the  street  line,  the  frontage  charge  shall  be  made 

X29) 


upon  the  number  of  lineal  feet  in  the  front  of  each  build- 
ing in  which  there  is  an  entrance  from  the  street,  except 
cottages. 

AREA. — Rate  is  applicable  to  each  100  square  feet  of  the  total 
area.  "  The  total  area  of  a  building  shall  be  the  sum  of  the 
areas  of  each  of  its  floors  including  any  basement  floors  to 
which  the  public  is  admitted  for  general  trade  or  business 
purposes.  The  area  of  each  floor  shall  be  the  number  of 
square  feet  in  that  floor  computed  upon  the  horizontal 
dimensions  of  the  building  outside  its  outer  walls,  no  de- 
duction being  made  for  courts  if  entirely  enclosed  within  the 
walls  of  the  building,  nor  in  any  event  for  any  light,  air  or 
elevator  shafts.  The  area  shall  not  include  courts  which  open 
upon  the  street  or  to  the  rear  of  the  lot  upon  which  the 
premises  are  located.  Cottages  on  the  same  grounds  with 
hospitals,  sanitoriums,  asylums,  schools,  and  colleges  shall 
be  rated  as  private  dwellings. 

LONG  TERM  POLICIES. — 0.,  L.  and  T.  Public  Liability  policies 
may  be  written  for  a  term  of  three  years,  with  a  discount 
of  10%  upon  the  frontage,  area  and  elevator  rates.  All 
the  foregoing  is  with  the  provision  that  the  entire  three- 
year  premium  be  paid  in  advance,  or  that  50%  of  such 
entire  three-year  premium  be  paid  in  advance,  30%  thereof 
at  the  end  of  the  first  year  and  20%  thereof  at  the  end  of 
the  second  year.  Private  residence  policies  shall  be 
written  at  the  full  three-year  term  rate  expressed  in  [this 
Manual  upon  payment  of  the  entire  term  premium  in 
advance. 

ADDITIONAL  INTERESTS. — An  O.,  L.  and  T.  Public  Liability 
policy  cannot  be  written  to  include  more  than  one  insurable 
interest,  except  with  an  additional  premium  charge  of  40% 
on  all  elements  of  the  risk  for  one  additional  interest, 
60%  for  two  additional  interests  and  75%  for  three  or  more 
additional  interests.  Such  additional  insurable  interests 
may  be  those  of  an  individual,  estate,  firm,  or  corporation, 
but  co-owners  may  be  covered  under  one  policy  without 
additional  charge.  Policies  issued  to  cover  the  estate  of 
a  deceased  person,  where  an  executor  or  administrator  is 

'(30) 


named,  although  so  expressed  as  to  cover  the  individual 
interest  of  such  executor  or  administrator,  involve  but  one 
insurable  interest. 

Where  a  risk  is  insured  at  the  full  rate  given  in  this 
Manual,  other  policies  on  the  same  risk  and  for  the 
same  limits,  but  not  otherwise,  may  be  issued  to  other  per- 
sons in  interest  for  a  premium  of  50%  of  the  rates  given  in 
this  Manual,  such  policy,  however,  to  cover  but  one  in- 
terest unless  subjected  to  the  rule  respecting  additional 
interests;  always  provided,  however,  that  the  company 
issuing  the  second  policy  at  reduced  rates  has  previously 
or  concurrently  issued  a  policy  upon  the  same  risk  at 
the  full  rate  required  in  this  Manual.  Any  such  addi- 
tional policy  so  written  must  be  made  to  expire  at  the  same 
time  with  the  principal  policy,  the  premium  being  adjusted 
pro  rata  for  short  terms.  If  the  principal  policy  provides 
for  greater  than  standard  limits,  the  second  policy  may, 
nevertheless,  be  written  for  standard  limits,  or  may  be 
written  for  the  same  increased  limits  as  the  principal  policy, 
upon  the  same  additional  pro  rata  premium  charge,  but  the 
second  policy  cannot  be  written  for  limits  greater  than  the 
principal  policy. 

LANDLORDS'  PROTECTIVE  LIABILITY. — If  the  owner  or  general 
lessee  of  a  building  or  buildings  has  leased  the  same  entire 
to  another,  herein  called  "  the  tenant,"  and  the  tenant 
controls  the  elevators  and  operates  the  same  exclusively, 
furnishes  power,  and  has  entire  charge  and  control  of  the 
premises,  an  0.,  L.  and  T.  Public  Liability  policy  may  be 
written  to  cover  such  owner  or  general  lessee  not  in  posses- 
sion at  50%  of  the  rates  chargeable  for  the  elements  of 
hazard  in  such  risk,  as  provided  in  this  Manual,  which  per- 
centage shall  also  apply  to  the  minimum  premium.  Upon  all 
policies  written  at  the  reduced  rates  provided  by  this  rule 
the  following  endorsement  shall  be  attached: 

The  policy  to  which  this  endorsement  is  attached  is  issued 
and  accepted  at  a  reduced  premium  upon  the  following 
warranties  made  by  the  assured: 

(1)  The  entire  premises  are  leased  by  the  assured  to  another 
herein  Called  the  "Tenant". 

(2)  The  said  tenant  under  such  lease  has  entire  charge  and 
control  of  the  premises  including  elevators  and  boilers. 

(31) 


Reprinted  Page — October  28,  1916. 

(3)  The  assured  is  in  no  way  responsible  for  maintenance  of 
the  elevator  and  the  making  of  repairs,  the  responsi-^ 
bility  therefor  resting  upon  the  tenant  under  the  terms 
of  the  lease. 

(4)  The  assured  has  no  employees  on  or  about  such  premises. 

(5)  The  conditions  herein  described  will  continue  during  the 
term  of  this  policy. 

The  rule  contained  in  the  preceding  paragraph  shall  not 
be  available  in  connection  with  any  risk  which  is  written  at 
reduced  rates  under  the  rule  for  "Landlords'  Protective 
Liability,"  as  contained  in  the  rule  immediately  following, 
nor  to  private  residences. 

Agents  and  owners  having  care,  custody,  control  and 
operation  of  buildings  are  insurable  only  as  owners  at  the 
rates  and  under  the  rules  governing  owners,  but  if  a  policy 
be  issued  to  cover  both  owner  and  agent,  such  policy  shall 
be  written  under  the  rules  governing  "Additional  Interests". 

GENERAL. — Where  buildings  are  occupied  in  part  as  stores, 
with  dwellings  above,  if  the  assured  occupies  the  stores 
or  any  of  them,  the  rate  for  stores  must  apply  to  the  store 
portion,  and  the  rate  for  apartments  or  tenements  to  the 
balance.  In  the  case  of  an  assured  who  is  sole  tenant  of  a 
building  occupying  same  partly  for  residence  purposes  and 
partly  for  office,  mercantile  or  manufacturing  purposes,  the 
risk  may  be  rated  :  (a)  that  part  of  the  premises  occupied 
for  residence  purposes  by  the  assured  at  the  rate  for  Apart- 
ments— tenant's  risk  only,  (b)  The  remainder  of  the  prem- 
ises occupied  for  office,  mercantile  or  manufacturing  pur- 
poses, at  the  proper  rate  for  such  occupancy.  If  a  policy 
be  written  to  cover  a  building  in  which  a  theatre,  concert 
hall,  or  other  place  of  public  amusement  is  contained,  but 
there  are  in  the  building  such  occupancies  as  hotels, 
stores,  offices,  or  apartments,  the  theatre,  concert  hall  or 
place  of  amusement  must  be  written  in  accordance  with  the 
theatre  rule  and  the  balance  of  the  risk  at  the  proper  rates 
as  given  in  this  Manual. 

The  classification  on  page  83  of  the  Manual  reading 
"Dwellings  of  every  description  when  occupied  by  three  or 
more  families,  and  buildings  occupied  partly  for  residence 
purposes  by  one  or  more  families  and  partly  for  store,  office 
or  mercantile  purposes"  shall  include  all  buildings  occupied 
as  boarding  or  furnished  room  houses. 

(32) 


RESIDENCE  AND  FARM  INSURANCE. 

PRIVATE  RESIDENCE. — For  the  purposes  of  this  Manual  a 
private  residence  is  defined  as : 

(a)  A  single  building  designed  for  and  occupied  as  a 
residence  by  not  more  than  two  families,  together 
with  the  land  upon  which  it  is  situated  if  not  in 
excess  of  five  acres,  also  including  barns,  stables, 
garages  and  customary  outbuildings  so  far  as  they 
are  used  for  household  purposes  but  not  for  business 
purposes; 

(b)  A  tenement,  flat  or  apartment  definitely  described 
as  a  part  of  any  building  if  occupied  as  a  residence 
by  not  more  than  one  family. 

The  private  residence  of  a  physician,  surgeon  or  dentist  in 
which  there  is  maintained  office  quarters  for  professional 
purposes,  no  other  portion  of  the  residence  except  such  office 
being  used  for  professional  purposes,  shall  be  classified  and 
rated  as  a  private  residence  under  these  rules.  In  the  event 
of  such  occupancy,  however,  a  policy  covering  public  liability 
shall  exclude  injuries  to  patients  directly  or  indirectly  due 
to  such  professional  occupancy. 

FARM. — A  tract  of  land  of  more  than  five  acres,  cultivated  in 
whole  or  in  part  for  fanning  purposes,  and  with  or  without 
a  private  residence.  This  term  shall  also  include  general 
and  special  purpose  farms  and  private  estates. 

PRIVATE  CHAUFFEUR. — Any  person  employed  as  a  chauffeur 
whose  duties  include  the  operation,  maintenance  or  repair 
of  any  private  automobile.  This  definition  shall  exclude 
all  employment  upon  public  or  commercial  automobiles. 

OUTSERVANT. — Any  person  employed  for  household,  domestic 
or  farm  service  exclusively,  whose  principal  duties  are 
performed  outside  the  residence.  Chauffeurs  not  included. 

(33) 


INSERVANT. — All  employees  in  household,  domestic  or  farm 
service,  not  otherwise  defined,  whose  principal  duties  are 
performed  inside  the  residence.  This  term  shall  include 
cooks,  laundresses,  maids,  butlers,  seamstresses,  nurses, 
companions,  governesses  and  all  other  employees  performing 
duties  of  a  domestic  character  principally  within  the 
residence  of  the  employer,  by  whatever  name  or  term  they 
may  be  designated. 

OCCASIONAL  SERVANTS. — Shall  include  those  employed  either 
as  "Outservants"  or  "Inservants"  (not  chauffeurs)  whose 
employment  is  not  continuous,  but  whose  duties  are  a 
regular  and  continuing  part  of  customary  household, 
domestic  or  farm  duties.  This  term  may  be  illustrated 
by,  but  is  not  limited  to,  such  employments  as  a  laundress 
for  certain  days  in  the  week,  or  a  choreman  who  takes 
care  of  the  furnace,  removes  ashes,  shovels  snow  in 
season,  cuts  the  lawn  in  season,  and  does  other  work  of 
this  character,  using  as  much  time  and  at  as  frequent  in- 
tervals as  the  requirements  of  the  work  make  necessary. 

COMPENSATION. — For  the  purposes  of  these  rules  this  term  shall 
mean  the  obligation  imposed  by  law  upon  the  employer 
for  compensation  or  damages  for  personal  injuries  to  an 
employe  arising  out  of  and  in  the  course  of  his  employment. 
It  shall  also  mean  the  obligation  assumed  by  an  employer 
to  pay  to  injured  employes  or  their  dependents  the  benefits 
provided  under  the  Workmen's  Compensation  law. 

EMPLOYERS'  LIABILITY.— For  the  purposes  of  these  rules  shall 
mean  the  liability  imposed  upon  an  employer  for  injuries 
sustained  by  employees  by  reason  of  the  negligence  of  the 
employer  and  which  injuries  are  not  compensatable  under 
any  Workmen's  Compensation  law. 

PUBLIC  LIABILITY. — The  obligation  of  the  assured  for  dam- 
ages for  personal  injuries  sustained  upon  the  insured 
premises  or  adjoining  public  ways  by  any  person  or  per- 
sons not  employed  by  the  assured. 

(34) 


RULES. 

The  compensation  obligation  shall  include  all  persons  in 
the  service  of  the  assured,  employed  in  connection  with  a 
private  residence  or  farm. 

Policies  may  be  issued  to  cover  both  husband  and  wife  as 
assured  without  additional  charge.  If  interests  other  than 
that  of  husband  and  wife  be  joined  in  the  policy,  the  rules 
expressed  elsewhere  in  this  Manual  as  regards  "Additional 
Interests"  shall  apply. 

The  policies  shall  cover  the  maintenance,  operation,  use 
and  occupancy  of  the  premises,  including  ordinary  re- 
pairs and  alterations,  but  not  new  construction  work  of 
any  kind,  nor  the  demolition  of  existing  structures.  Such 
construction  work  and  demolition  shall  be  separately  covered 
upon  notice  to  the  Company,  at  the  proper  premium  charge, 
and  in  accordance  with  the  Manual  rules  and  rates. 

Policies  involving  per  capita  charges  will  be  issued  to 
cover  the  servants  employed  at  the  time  of  issue.  If  during 
the  period  of  the  policy,  added  outservants  or  inservants  are 
employed,  or  those  previously  employed  are  dismissed  and 
not  replaced,  statements  shall  be  made  to  the  Company  at  the 
end  of  the  period,  and  pro  rata  premium  payment  made  for 
each  such  added  servant,  or  allowed  for  each  such  dismissed 
servant,  to  the  end  that  the  premium  upon  adjustment  shall 
represent  a  premium  charge  as  in  the  policy  provided  for 
each  servant  employed  according  to  the  term  of  such  em- 
ployment. Pro  rata  premium  charge  shall  not  be  less  than 
twenty-five  (25)  per  cent  of  the  annual  per  capita  charge 
for  each  servant. 

In  the  case  of  chauffeurs  who  have  been  in  assured's  em- 
ploy for  a  period  less  than  the  entire  policy  term,  charge 
shall  be  computed  on  a  short  rate  basis  upon  the  annual 
per  capita  premium,  but  in  no  case  shall  such  charge  be  less 
than  50%  of  the  annual  premium  for  each  chauffeur  so  employed. 

Servants  need  not  be  named,  and  the  substitution  of  one 
servant  for  another  in  the  same  line  gf  duties  requires  no 
notice  to  the  Company  and  no  change  in  the  policy. 

(35) 


RATES— PRIVATE  RESIDENCES. 

In  compensation  states  in  which  the  compensation  law 
definitely  excludes  domestic  servants,  and  where  the  em- 
ployer does  not  desire  to  provide  voluntary  compensation,  a 
general  liability  policy  may  be  issued  to  cover  private  resi- 
dences and  provide  protection  against  both  employers  and 
public  liability,  but  expressly  excluding  all  obligation  for 
compensation* 

The  premium  charge  for  public  liability  only,  exclusive  of 
either  employers'  liability  or  compensation,  shall  be  $3.00  per 
residence,  per  annum,  or  $7.50  for  three  years. 

The  premium  charge  for  employers'  and  public  liability 
combined,  shall  be  $4.00  per  residence,  per  annum  or  $10.00 
for  three  years. 

Under  all  other  conditions  a  private  residence  policy  shall 
be  issued  which  covers  the  compensation  obligation  of  the 
employer  as  herein  defined  only,  or  which  covers  both  such 
compensation  obligation  and  the  public  liability  of  such  em- 
ployer, or  which  covers  the  public  liability  of  such  employer 
only,  each  form  of  coverage  being  governed  by  the  premium 
rates  as  applicable  thereto. 

For  "Compensation"  either  written  separately  or  in  con- 
nection with  public  liability,  the  following  annual  premium 
charges  per  capita  shall  be  made:  No.  Symbol 

Private  Chauffeurs,  each 0911     VA 

Outservants,  each 0912    VB 

Inservants,  each 0913    VC 

Occasional  Servants. — If  a  fair  average  estimate  of  the 
time  during  which  an  occasional  servant  is  employed  shall 
be  one-half  or  less  of  the  customary  full  time,  then  the  pre- 
mium charge  shall  be  half  of  the  annual  per  capita  charge 
for  an  Inservant  or  an  Outservant  dependent  upon  the  na- 
ture of  employment  of  the  Occasional  Servant.  If  a  fair 

(36) 


and  reasonable  estimate  of  the  amount  of  time  devoted 
by  an  Occasional  Servant  shows  that  more  than  one-half 
the  customary  full  time  is  so  engaged,  then  the  premium 
rate  for  such  Occasional  Servant  shall  be  the  full  rate  for 
an  Inservant  or  Outservant  dependent  upon  the  nature  of 
the  employment  of  the  Occasional  Servant. 

RATES—FARMS. 

In  compensation  states  in  which  the  compensation  law 
definitely  excludes  farm  labor,  and  the  employer  does  not 
desire  to  provide  voluntary  compensation,  an  employer's 
liability  policy  may  be  written  to  cover  a  farm  as  herein 
described,  provided  all  the  labor  employed  upon  that  farm 
is  strictly  within  [the  statutory  exclusion,  and  there  is  no 
law  or  requirement  in  the  state  making  the  issuance  of  a 
policy  excluding  compensation  illegal  or  improper.  Such 
policies,  when  issued,  shall  by  endorsement  or  in  some  other 
manner,  and  in  definite  terms,  exclude  all  obligations  for  com- 
pensation. If  any  part  of  the  labor  upon  any  farm  is  not 
excluded  from  the  compensation  act,  payroll  cannot  be  di- 
vided, but  a  compensation  policy  must  be  issued  to  cover 
all  employees. 

For  employers'  liability  (standard  limits  of  5/10,000)  written 
either  with  or  without  concurrent  public  liability,  the  follow- 
ing premium  charges  for  each  $100  of  actual  wages  determined 
as  hereinafter  provided  shall  be  made:  Symbol 
For  all  employees  of  whatever  nature,  exclud- 
ing only  clerical  office  force CA 

For  clerical  office  force  (if  any) AE 

Under  all  other  conditions  a  farm  policy  shall  be  issued 
which  covers  the  compensation  obligation  of  the  employer 
as  herein  defined  only,  or  which  covers  both  such  compensa- 
tion obligation,  and  the  public  liability  of  such  employer,  or 
which  covers  the  public  liability  of  such  employer  only,  each 
form  of  coverage  being  governed  by  the  premium  rates  here- 
inafter contained  as  applicable  thereto. 

(37) 


For  "  Compensation"  either  written  separately,  or  in  con- 
nection with  public  liability,  upon  risks  in  which  the  esti- 
mated annual  payroll  is  not  in  excess  of  $5,000,  the  follow- 
ing annual  premium  charges  per  capita  shall  be  made: 

No.      Symbol 

Private  Chauffeurs,  each 0901     VA 

Outservants,  each 0902    VB 

Inservants,  each 0903    VC 

If  occasional  Inservants  or  Outservants,  as  herein  defined, 
(not  chauffeurs)  are  employed  upon  the  farm  at  any  time 
during  the  term  of  the  policy,  the  premium  rate  for  such  oc- 
casional servants  shall  be  based  upon  the  actual  earnings  of 
such  occasional  servants  during  the  term  of  their  employ- 
ment, in  lieu  of  the  per  capita  charge  hereinbefore  provided. 
The  assured  shall  be  required  to  keep  an  actual  account  of 
the  wages  paid  to  such  occasional  servants.  These  wages 
shall  include,  in  addition  to  the  actual  cash  wages,  the  real 
value  of  any  other  consideration,  such  as  board,  lodging, 
store  certificates,  etc.,  which  is  a  substitute  for  cash  wages. 
When  the  wage  agreement  with  an  occasional  servant  in- 
cludes board,  lodgings  or  both,  the  actual  wages  shall  be 
determined  by  adding  to  the  cash  wages  one-third  of  the 
amount  thereof,  and  the  actual  wages  thus  determined  shall 
be  the  basis  for  the  premium  charge.  Wherever  any  other 
valuable  substitute  for  wages  is  used,  the  true  value  of  such 
substitute  so  far  as  it  can  be  ascertained  shall  be  added  to 
the  cash  wages  to  produce  the  actual  wages.  The  premium 
rate  for  occasional  servants  for  each  $100.00  of  actual  wages 
shall  be  GF, 

For  "Compensation"  either  written  separately  or  in  con- 
nection with  public  liability  on  risks  in  which  the  estimated 
annual  payroll  is  $5,000  or  more,  the  following  premium 
charges  for  each  $100.00  of  actual  wages  determined  as  pro- 
vided by  the  preceding  rule  shall  be  made: 

For  all  employees  of  whatever  nature  engaged 
upon  or  in  connection  with  such  farm,  including 
Chauffeurs,  Outservants,  Inservants,  Occasional 
Servants,  also  Managers,  Superintendents  and     NO.    symbd 
Foremen  if  engaged  wholly  or  partly  in  field  work   0006    OF 

For  clerical  office  force  (if  any) 8810    AE 

(38) 


The  assignment  of  a  risk  to  one  of  the  two  methods  of 
rating  above  provided  for  shall  depend  entirely  upon  the 
estimated  annual  payroll  upon  which  advance  premium  is 
paid,  but  if  the  actual  annual  payroll,  determined  by  audit 
at  the  end  of  the  policy  period,  shall  show  that  the  risk 
should  have  been  rated  in  the  other  class,  the  policy  then 
expired  shall  not  be  changed,  but  a  renewal  can  only  be 
issued  upon  the  form  of  rating  to  which  the  risk  is  en- 
titled by  reason  of  its  actual  payroll  for  the  preceding  year. 
This  actual  payroll  shall  become  the  estimate  for  the 
renewal. 

The  premium  charge  for  Public  Liability  only,  exclusive  of 
either  employers'  liability  or  compensation,  shall  be  as  follows: 

For  each  residence,  whether  occupied  by  the  assured  or 
by  employees  or  tenants  of  the  assured  with  a  tract  of  land 
not  exceeding  five  acres  with  each  residence,  $3.00  for  each 
residence  per  annum,  or  $7.50  for  three  years,  in  addition 
to  which  there  shall  be  a  further  public  liability  charge  of 
five  cents  per  acre,  per  annum,  up  to  and  including  1,000 
acres,  and  a  charge  of  two  cents  per  acre,  per  annum,  in  excess 
of  1,000  acres,  for  all  land  in  excess  of  the  five  acres  allowed 
for  each  residence. 

MINIMUM  PREMIUMS. 

The  minimum  premium  for  a  compensation  policy,  either 
upon  a  private  residence  or  farm,  if  no  concurrent  public 
liability  policy  is  issued,  shall  be  $6.00  per  annum.  If  con- 
current public  liability  is  issued,  and  the  compensation  policy 
is  based  in  whole  or  in  part  upon  per  capita  charges,  the  mini- 
mum annual  premium  shall  be  computed  as  follows :  for  the 
compensation  portion  as  represented  by  per  capita  charge,  the 
lowest  annual  per  capita  charge  used  in  the  policy,  but  if  such 
lowest  per  capita  charge  is  the  charge  for  one  or  two  inservants, 
the  total  per  capita  charge  for  two  shall  be  the  minimum.  If 
a  policy  is  issued  upon  a  farm,  and  there  is  a  premium  charge 
made  upon  the  payroll  for  occasional  servants,  there  shall  be 
entered  as  a  further  minimum  beyond  the  per  capita  charge, 
the  amount  which  would  be  produced  by  applying  the  rate  to 
a  minimum  payroll  of  $200.00.  In  all  policies  there  shall  be 
added  also,  as  a  part  of  the  minimum  premium  for  public 
liability,  the  sum  of  $3.00.  The  minimum  premium  for  an 
employers'  liability  policy  on  a  farm  shall  be  $10.00. 

(39) 


TEAMS'  PUBLIC  LIABILITY. 

The  Teams'  rates  provided  in  this  Manual  cover  Public 
Liability  only  for  the  maintenance,  use  and  operation  of  teams, 
and  include  the  loading  and  unloading  hazard.  No  discount 
shall  be  allowed  for  the  elimination  of  this  hazard. 

No  Teams'  Public  Liability  policy  shall  be  written  to  include 
accidents  to  the  driver  or  to  any  other  employees  engaged  in 
connection  with  teams. 

If  compensation  insurance  on  drivers  and  other  persons 
employed  upon  teams  is  written,  the  payroll  of  such  employees 
must  be  included  at  the  rate  for  "Drivers  and  Drivers' 
Helpers"  provided  in  this  Manual,  except  for  those  classifica- 
tions which  by  their  phraseology  require  the  inclusion  of 
drivers  and  drivers'  helpers  at  the  compensation  rate  for  the 
classification. 

If  the  assured  has  no  employees  other  than  drivers  and 
helpers,  then  a  separate  compensation  policy  shall  be  issued 
covering  such  employees. 

For  those  classifications,  the  phraseology  of  which  requires 
the  inclusion  of  drivers  and  drivers'  helpers,  it  is  not  permissible 
to  issue  Teams'  Public  Liability  policies  without  concurrent 
Public  Liability  coverage. 

Where  teams  including  drivers  are  employed  under  a  con- 
tract with  the  owner  of  such  teams  for  a  consideration,  only 
a  portion  of  which  is  the  actual  payroll  of  the  drivers,  one- 
third  of  the  actual  amount  paid  for  such  teams  under  the 
contract  with  the  owner  shall  be  considered  as  the  payroll 
of  the  drivers  and  included  in  the  payroll  to  which  the 
compensation  rate  is  applicable. 

Opposite  certain  classifications  in  this  Manual  there  appears 
in  the  Teams'  rate  column  a  dash  ( — )  indicating  that  no  teams 
are  used  or  that  if  teams  are  used  the  symbol  R  will  apply. 

For  certain  other  classifications  in  the  Teams'  rate  column 
more  than  one  symbol  appears.  For  explanation  of  the  pur- 
pose of  such  symbols,  see  page  51. 

(40) 


There  are  certain  classes  of  Teams'  risks  which  cannot  be 
assigned  to  Manual  classifications.  A  list  of  such  risks  with 
rate  symbols  follows  :  NO.  Symbol 

Ambulances 7250    LA 

Baggage  Transfer 7251     MC 

Bicycle  Delivery  Vehicles 7252    T 

Furniture  Moving  Vans  or  Trucks 7253    P 

Hand  Trucks— not  peddlers'  trucks 7254    U 

Hired  Teams— see  rule  below 7255 

Ice  Cream  Dealers 7256    NA 

Mail  Wagons 7257    KG 

Newspaper  Delivery 7258    KB 

Omnibus  Lines— operating  in  cities  and  towns 

exclusively,  passenger  risk  included 7259    KA 

For  excluding  passenger  risk,  a  discount  of  25% 
may  be  allowed. 

For  Stage  lines  which  may  operate  partly  or 
entirely  outside  of  cities  and  towns,  the  rate  ex- 
cluding passenger  risk  shall  be  the  same  as  for 
"Omnibus  Lines "  as  above  indicated.  If  passen- 
ger hazard  is  to  be  covered,  the  sum  of  $100.00 
must  be  added  to  the  rate  for  each  team  regardless 
of  location. 

Physicians'  Vehicles— for  one  horse 7260  RD 

Physicians'  Vehicles— for  each  additional  horse  7261  U  A 

Piano  Movers 7262  P 

Private  Vehicles — for  one  horse 7263  TA 

Private  Vehicles — for  each  additional  horse. .  7264  U 

Public  Service  Vehicles— all  classes 7280  MA 

A  discount  of  20  %  will  be  allowed  from  public 
service  vehicle  rates  for  the  elimination  of  the 
passenger  hazard. 

Push  Carts 7265  U 

Railway  Iron 7266  P 

Saddle  Horses — For  each  saddle  horse  whether 
ridden  by  employees  of  assured  or  rented  to 

or  ridden  by  others 7267  DA 

Street  Sprinklers 7268  R 

Structural  Iron  and  Steel 7269  P 

Truckmen 7208  OE 

Undertakers'  Hearses  and  Coffin  Wagons 7270  R 

(41) 


HIRED  TEAMS. — Persons  hiring  teams  from  other  parties 
shall  pay  full  Teams'  rate,  in  accordance  with  the  classi- 
fication provided  therefor,  except  when  the  owner  of  such 
team  is  already  carrying  insurance  thereon,  in  which 
event,  the  persons  hiring  the  team  may  be  insured  at 
26%  of  the  full  Teams'  rate,  provided  the  assured  war- 
rants that  insurance  will  be  maintained  by  the  owner  on 
the  same  teams  at  full  Manual  rates,  and  further  pro- 
vided, that  the  assured's  name  does  not  appear  upon  the 
vehicle.  If  the  assured's  name  does  appear  upon  the 
vehicle,  he  may  be  insured  at  25%  of  the  full  Teams'  rate, 
provided  the  owner  of  such  team  is  already  carrying 
insurance  at  full  rates  with  this  Company. 

In  rating  general  truckmen's  risks,  the  Manual  rate 
for  this  classification  must  be  strictly  adhered  to,  except 
under  the  following  conditions: 

If  a  truckman  is  engaged  wholly  in  trucking  for  one 
concern,  and  the  interest  of  that  concern  is  included  as  an 
additional  assured  at  the  proper  additional  premium  charge, 
the  basic  rate  will  be  the  rate  applicable  to  the  business  in 
which  the  user  of  the  team  is  engaged. 

If  a  truckman  carts  for  more  than  one  concern  and  the 
interest  of  each  of  the  users  is  included  as  an  additional 
assured,  and  provided  the  number  of  teams  used  for  each 
concern  can  be  definitely  established,  the  rule  expressed  in 
the  foregoing  paragraph  would  prevail. 

If  a  portion  of  a  truckman's  equipment,  the  number  of 
which  can  be  definitely  established,  is  used  wholly  by  certain 
concerns  and  the  number  of  teams  used  by  each  concern  is 
definitely  established,  and  the  interests  of  the  concerns,  for 
whom  the  trucking  is  done,  included  as  additional  assureds, 
the  rate  applying  to  the  business  in  which  the  users  are 
engaged  would  apply  to  such  teams,  and  the  remainder  of 
the  truckman's  equipment  must  be  written  at  the  rate  for 
truckmen.  The  additional  interests  must  always  be 
endorsed  to  expire  concurrently  with  the  Teams'  policy. 

Where  the  additional  interest  or  interests  of  users  of 
teams  is  not  covered,  the  Manual  rate  for  truckmen  must 
apply  in  all  cases,  whether  or  not  assured  trucks  entirely 
for  one  or  more  concerns. 

(42) 


SPECIAL — Horses  owned  by  assured  but  rented  out  to  others, 
with  vehicles  attached,  may  be  covered,  while  such  horses 
and  vehicles  are  not  in  charge  of  the  assured  or  any  of  his 
employees,  at  a  rate  of  $5.00  per  horse  per  annum.  Horses 
(not  saddle  horses  nor  horses  rented  with  vehicles)  which 
assured  hires  or  furnishes  to  others,  may  be  covered  while 
not  in  charge  of  the  assured  or  any  of  his  employees  at 
$2.00  per  horse  per  annum. 

TEAMS'  PROPERTY  DAMAGE  INSURANCE— RULES  AND  RATES. 

This  is  a  term  adopted  to  designate  insurance  to  provide 
against  loss  arising  from  the  liability  of  the  assured  for  damages 
by  reason  of  injury  to  or  destruction  of  property  of  any  or 
every  description  (not,  however,  the  property  of  the  assured 
or  the  property  of  others  when  in  the  care  of  the  assured  or 
any  of  his  employees,  nor  carried  in,  upon  or  by  the  vehicles 
covered)  due  to  the  ownership,  use  or  maintenance  of  the  teams. 
This  form  of  insurance  can  only  be  written  concurrently  with  a 
Teams'  policy. 

The  rate  for  covering  such  property  damage  up  to  a  limit  of 
$1,000.00,  shall  be  20%  of  the  premium  charged  for  the  team 
so  covered  with  a  minimum  premium  for  this  feature  of  $5.00 
per  team,  per  annum  in  cities  having  a  population  as  shown  by 
the  census  of  1910,  of  250,000  or  over,  and  of  $3.00  per  team, 
per  annum  elsewhere.  Such  property  damage  may  be  written 
upon  bicycle  delivery  vehicles  (not  motor  cycles)  for  the  same 
limits,  for  a  minimum  of  $2.00  per  bicycle  regardless  of  the 
location  in  which  the  coverage  is  provided.  Insurance  in 
excess  of  a  limit  of  $1,000.00  may  be  written  for  an  additional 
ium,  equal  to  3%  of  the  premium  charged  for  such  $1,000.00 
imit  for  each  $100.00  in  excess  of  $1,000.00  and  not  in  excess 
I  $2,000.00.  For  each  $100.00  in  excess  of  $2,000.00  there 

all  be  a  further  premium  charge  equal  to  1^%  of  the 
ium  charge  for  the  first  limit  of  $1,000.00. 


(43) 


THEATRE    PUBLIC    LIABILITY    INCLUDING    MOVING    PICTURE 

SHOWS. 

Theatre  Public  Liability  policies  cannot  be  written  or  en- 
dorsed to  include  compensation  coverage.  If  in  connection 
with  a  Theatre  Public  Liability  policy,  compensation  cover- 
age is  desired,  a  separate  policy  in  accordance  with  the  rules 
and  rates  in  this  Manual  shall  be  written  concurrently  with 
the  Theatre  Public  Liability  policy. 

The  rates  for  Theatre  Public  Liability  risks,  including 
moving  picture  shows,  are  based  upon  the  seating  capacity, 
These  rates  are  in  lieu  of  any  other  charge  for  the  public 
liability  hazards  involved,  except  elevators.  Elevators  must 
be  included  at  the  Manual  rate  for  elevator  public  liability  01 
specifically  excluded  from  the  policy. 

LONG  TERM  POLICIES. — Theatre  Public  Liability  policies  may 
be  written  for  a  term  of  three  years  with  a  discount  of  10% 
upon  the  seating  capacity  and  elevator  rates.  All  the  fore- 
going is  with  the  provision  that  the  entire  three-year  pre- 
mium be  paid  in  advance,  or  that  50%  of  such  entire  three 
year  premium  be  paid  in  advance,  30%  at  the  end  of  the 
first  year,  and  20%  at  the  end  of  the  second  year. 

ADDITIONAL  INTERESTS. — A  Theatre  Public  Liability  policy 
cannot  be  written  to  cover  more  than  one  insurable  interest 
except  with  an  additional  premium  charge  of  40%  on  all 
elements  of  the  risk  for  one  additional  interest,  60%  for 
two  additional  interests,  and  75%  for  three  or  more  addi- 
tional interests.  Such  additional  insurable  interests  may 
be  those  of  an  individual,  estate,  firm  or  corporation,  but 
co-owners  may  be  covered  under  one  policy  without  addi- 
tional charge.  Policies  issued  to  cover  the  estate  of  a  de- 
ceased person,  where  an  executor  or  administrator  is  named, 
although  so  expressed  as  to  cover  the  individual  interest 
of  such  executor  or  administrator,  involve  but  one  insurable 
interest. 

LANDLORDS'  PROTECTIVE  LIABILITY. — If  the  owner  or 
general  lessee  of  a  theatre  has  leased  the  same  entire 
to  another,  herein  called  the  "Tenant"  and  the  tenant 

(44) 


controls  the  elevators  and  operates  the  same  exclusively, 
furnishes  power  and  has  entire  charge  and  control  of  the 
premises,  a  Theatre  Public  Liability  policy  may  be  written 
to  cover  such  owner  or  general  lessee  not  in  possession  at 
50%  of  the  rates  chargeable  for  the  elements  of  hazard  in 
such  risk  as  provided  in  this  Manual,  which  percentage 
shall  also  apply  to  the  minimum  premium.  Upon  all 
policies  so  written  an  endorsement  shall  be  attached  stating 
the  existence  of  the  conditions  above  described  and  that 
such  conditions  will  continue  during  the  term  of  the  policy; 
also  that  the  assured  has  no  employees  on  or  about  the 
premises  and  is  in  no  way  responsible  for  the  maintenance 
of  the  premises  and  the  making  of  repairs.  Agents  and 
owners  having  care,  custody,  control  and  operation  of 
theatres,  are  insurable  only  as  owners  at  the  rates  and 
under  the  rules  governing  owners  but  if  a  policy  be  issued 
to  cover  both  owner  and  agent,  such  policy  shall  be  written 
under  the  rules  governing  "Additional  Interests/' 

jENBRAL. — If  the  building  in  which  a  theatre,  concert  hall 
or  other  place  of  public  amusement  is  maintained,  is  occu- 
pied in  part  by  hotels,  stores,  offices  or  apartments,  the 
theatre,  concert  hall  or  place  of  amusement  must  be  written 
in  accordance  with  the  Theatre  Public  Liability  rule  and 
the  balance  of  the  risk  in  accordance  with  the  rules  govern- 
ing the  writing  of  "0.,  L.  and  T."  insurance. 


(45) 


THEATRE  RATES. 

It  is  recognized  that  there  are  many  conditions  surround- 
ing a  theatre  which  influence  the  rate  to  be  charged  for 
Theatre  Public  Liability  insurance.  The  rates  contained  in 
this  Manual  are  basis  rates  and  policies  must  be  issued  at  such 
rates.  The  rates  are  subject  to  adjustment  in  accordance  with 
the  Universal  Analytic  Schedule — Theatre  Form. 

MOVING  PICTURE  SHOWS— Public  Liability  rate  per  seat, 

per  annum 20 

THEATRES,  OPERA  HOUSES  OR  HALLS— Public  Liability 

rate  per  seat,  per  annum 10 

NOTE. — The  premium  shall  be  based  upon  each  seat 
on  the  main  floor  and  in  each  gallery  irrespective  of  the 
number  of  entertainments  given. 


(46) 


OWNERS'  OR  CONTRACTORS'  PROTECTIVE  LIABILITY. 

COVERAGE. — An  Owners'  or  Contractors'  Protective  Lia- 
bility policy  cannot  be  issued  to  cover  operations  performed 
by  direct  employees  of  the  assured  and  shall  exclude  any 
obligation  for  workmen's  compensation. 

PERCENTAGE  CONTRACTS. — If  an  owner  employs  a  con- 
tractor, or  a  contractor  employs  a  sub-contractor  on  the 
"Percentage  Basis"  so-called,  it  is  probable  that  the  relations 
will  be  those  of  principal  and  agent  and  that  the  employees  of 
the  contracting  agent  may  under  some  circumstances  at 
least  be  held  to  be  the  employees  of  the  principal.  It  is 
necessary  that  this  condition  be  provided  for  by  com- 
pensation and  public  liability  insurance  issued  jointly  to 
the  contracting  parties,  and  such  joint  insurance  shall  be  con- 
sidered as  covering  only  one  interest  and  requiring  but  one 
premium  charge.  Therefore,  where  the  percentage  arrange- 
ment exists,  the  obligations  of  the  owner  or  contractor  who 
Is  in  the  position  of  principal  must  be  included  with  the  obliga- 
tions of  the  contractor  who  is  in  the  position  of  an  agent, 
and  for  insurance  purposes  only,  these  parties  shall  be  con- 
sidered joint  employers  with  but  one  insurable  interest  in- 
volved. If  any  of  the  work  is  sub-let  by  the  principal  or 
contracting  agent,  a  Protective  Liability  policy  may  be  issued 
as  respects  such  work  so  sub-let  as  hereinafter  provided. 

All  protective  premium  rates  herein  provided  are  to 
be  applied  to  the  total  cost  of  all  work  let  or  sublet,  includ- 
ing all  labor,  material,  and  equipment  used  or  delivered 
for  use  in  the  execution  of  such  work,  whether  furnished  by 
the  owner,  the  contractor,  or  the  sub-contractor,  also  all 
allowances,  bonuses,  or  commissions  made,  paid  or  due. 

1.  Owners'  protective  insurance  not  available  to  contractors 
and  covering  all  work  provided  for  under  contract  or  contracts 
with  the  owner,  but  not  on  a  percentage  basis. 

(a).  Where  the  owner  furnishes  no  material,  tools,  or  equip- 
ment, rate  for  each  $100.00  of  the  total  cost  of  the  work  let  or 
sublet,  10  cents. 

(47) 


(b).  If  the  owner  furnishes  any  portion  of  the  material 
or  equipment,  for  each  $100.00  of  the  total  cost  of  the  work 
let  or  sublet,  20  cents.  This  rule  shall  not  apply  if  the  material 
furnished  is  exclusively  intended  and  used  for  interior  trim  or 
finish,  or  if  the  material  furnished  is  for  interior  decoration 
or  ornamentation,  or  if  the  material  furnished  consists  of 
interior  fixtures,  appliances  or  conveniences,  or  if  the  material 
furnished  consists  of  builders'  hardware.  This  rule  shall 
apply,  however,  if  materials  other  than  those  enumerated 
are  also  furnished,  which  materials  go  into  the  structural 
portions  of  the  building,  in  which  event  the  rate  provided  in 
this  rule  shall  apply  to  the  total  cost  of  all  work  sublet.  Under 
no  circumstances  shall  a  Protective  Liability  policy  carry  more 
than  one  premium  rate.  If  the  conditions  with  these  modi- 
fications do  not  permit  the  writing  of  the  entire  risk  under  sub- 
division (a)  foregoing,  then  the  entire  risk  shall  be  written 
under  this  paragraph  and  at  the  rate  herein  provided. 

(c).  If  the  owner  employs  any  superintendent,  watchman 
or  laborers  on  the  premises,  these  employees  must  be  covered 
by  means  of  compensation  and  public  liability  insurance 
according  to  the  rules  and  rates  contained  in  this  Manual. 

(d).  If  the  owner  of  land  makes  a  long  term  lease  to  another, 
the  lessee  to  erect  a  building  upon  the  land,  the  owner  of  the 
land  having  no  relation  to  or  connection  with  the  work  of  con- 
struction, a  protective  policy  to  cover  such  lessor  during  the 
construction  of  the  building  may  be  written  at  a  rate  of  2§ 
cents  for  each  $100.00  of  the  total  cost  of  the  building  as  here- 
inbefore provided.  The  policy,  however  shall  be  endorsed  to 
express  these  existing  conditions. 

2.  Contractors'  protective  insurance  covering  work  to  be 
performed  under  sub-contract  or  sub-contracts  except  upon  the 
percentage  basis,  for  which  see  previous  rule. 

(a).  If  the  contractor  does  not  furnish  any  material,  tools, 
or  equipment  for  the  use  of  any  sub-contractor,  charge,  for 
each  $100.00  of  the  total  cost  of  the  work  sublet,  12J  cents. 

(48) 


(b).  Where  the  contractor  furnishes  any  portion  of  the 
material,  tools,  or  equipment  for  use  of  any  sub-contractor, 
charge,  for  each  $100.00  of  the  total  cost  of  work  sublet,  25 
cents.  This  rule  shall  not  apply  if  the  material  furnished  is 
exclusively  intended  and  used  for  interior  trim  or  finish,  or  if 
the  material  furnished  is  for  interior  decoration  or  ornamenta- 
tion, or  if  the  material  furnished  consists  of  interior  fixtures, 
appliances  or  conveniences,  or  if  the  material  furnished  con- 
sists of  builders'  hardware.  This  rule  shall  apply,  however, 
if  materials  other  than  those  enumerated  are  also  furnished, 
which  materials  go  into  the  structural  portions  of  the  build- 
ing, in  which  event  the  rate  provided  in  this  rale  shall  apply 
to  the  total  cost  of  all  work  sublet.  Under  no  circumstances 
shall  a  Protective  Liability  policy  carry  more  than  one 
premium  rate.  If  the  conditions  with  these  modifications 
do  not  permit  the  writing  of  the  entire  risk  under  sub- 
division (a)  foregoing,  then  the  entire  risk  shall  be  written 
under  this  paragraph  and  at  the  rate  herein  provided. 

(c).  If  the  contractor  employs  any  superintendent,  watch- 
men or  laborers  upon  the  premises,  or  undertakes  the  actual 
performance  of  any  portion  of  the  work,  such  employees  and 
such  work  must  be  covered  by  means  of  compensation  and 
public  liability  insurance  under  the  rules  and  rates  given  in 
this  Manual. 

3.  Contractors  engaged  in  setting  boilers  or  engines  under 
contract  with  manufacturers  or  purchasers,  rate  to  be  applied 
to  the  entire  cost  of  the  contract  work  exclusive  of  the  cost 
of  boilers,  engines  or  appliances  thereof  furnished  by  the 
manufacturer — protective  liability  rate,  covering  the  manu- 
facturer or  owner,  but  not  the  contractor,  $1.50. 


(49) 


REMOVAL  PERMITS. 

Permits  for  the  removal  of  mercantile  establishments  to  new 
locations  may  be  attached  to  0.,  L.  and  T.  Public  Liability 
policies  under  the  following  conditions: 

1st.  The  policy  or  policies  shall  cover  old  and  new  locations 
during  the  period  of  removal. 

2d.  There  shall  be  a  flat  premium  charge  for  the  hazards 
of  removal  not  herein  excluded,  of  $15.00  for  a  term  of 
not  exceeding  three  days.  An  additional  premium  of  $3.00 
per  day  shall  be  charged  for  every  day  or  portion  of  day  in 
excess  of  three. 
These  permits  shall  exclude  the  hazards  of  transportation 

between  the  old  and  the  new  locations,  which  shall  be  covered 

only  by  a  Teams'  Public  Liability  policy  at  the  proper  rate. 


(50) 


SPECIFIC    INSTRUCTIONS    TO    AGENTS    GOVERNING    USE    OF 

MANUAL. 

In  the  preparation  of  this  Manual  the  schedule  arrangement 
of  classifications  has  been  superseded  by  an  alphabetical 
arrangement. 

In  the  rate  columns  will  be  found  symbols  representing  the 
rates  applicable  to  each  classification  for  Compensation,  Public 
Liability,  Teams'  Public  Liability  and  Automobile  Public 
Liability.  At  the  back  of  the  Manual  will  be  found  rate  sheets 
indicating  the  values  for  said  symbols  except  Automobile 
Public  Liability  for  which  refer  to  the  Automobile  Manual. 
It  will  be  observed  that  certain  symbols  on  the  rate  sheets  are 
marked  with  an  (x),  and  in  the  note  reference  is  made  to  rate 
sheets  entitled  "  Exceptions ' ' .  These  exceptions  are  classifica- 
tions which  have  been  given  individual  treatment  in  the  case  of 
the  particular  state  to  which  the  rate  sheet  applies.  The  rates 
for  such  classifications  will  be  found  on  the  "Exceptions' '  rate 
sheets.  Certain  classifications  are  more  or  less  peculiar  to 
individual  states  and  these  special  classifications,  if  any,  will  be 
found  on  a  separate  rate  sheet. 

Certain  classifications  are  designated  in  the  rate  columns 
by  (a)  or  (b).  (a)  means  "refer  to  Home  Office"  and  agents 
must  understand  that  they  are  not  permitted  to  make  quota- 
tions for  risks  falling  under  such  classes  without  reference  to 
the  Home  Office,  (b)  means  "refer  to  pages  52  and  53  of  the 
Manual"  where  will  be  found  specific  instructions  as  to  the 
rate  treatment  to  be  accorded  classifications  so  designated. 

In  the  "Teams"  and  "Auto"  columns  there  will  be 
found  opposite  certain  classifications  hyphenated  symbols. 
These  symbols  indicate  that  there  may  be  two  classes 
of  teams  or  automobiles  used  in  connection  with  the  risk.  In 
such  cases  it  is  required  that  the  teams  or  automobiles  be 
classified  and  the  proper  Manual  rate  applied  to  each  class. 
.  In  the  rating  of  teams'  risks,  special  attention  is  called  to 
the  list  of  teams  with  their  symbols  enumerated  on  page  39. 

If  the  agent  has  any  doubt  as  to  the  proper  classification  of 
a  teams'  or  automobile  risk,  the  risk  with  full  particulars 
should  be  referred  to  the  Home  Office. 

The  column  designated  "No."  is  for  Home  Office  use  and 
has  no  relation  to  the  rating  of  risks. 

(51) 


CLASSIFICATIONS  WHICH  ARE  DESIGNATED  BY  (b)  IN  P.  L. 
COLUMN  SHALL  BE  RATED  AS  FOLLOWS  : 

Advertising  Signs. 

Electrical  Signs — including  maintenance  and  opera- 
tion, per  hundred  sq.  ft $2 . 00 

Roof  Signs — other  than  electrical  signs,  per  hundred 
sq.  ft 2.00 

Signs  fastened  on  walls  of  buildings,  per  hundred  sq.  ft.    1 . 00 

Street  or  Highway  Signs  or  Bulletins,  per  hundred 
sq.  feet 25 

Signs  in  fields  and  vacant  lots,  per  hundred  sq.  ft 10 

Minimum  premium,  $6.00  per  policy. 

Automatic  Slot  or  Vending  Machines,  operation  of  (ex- 
cluding installation  in  place,  repair  and  taking  down) 
per  machine,  per  annum 10 

Baseball  Clubs  and  Parks. 

Basis  of  premium  computation — per  $100  of  gate 
receipts 50 

Minimum  premium  per  season  or  year— in  cities  with  population 
of  100,000  or  over,  $250.00  per  park.  Elsewhere,  $100.00 
per  park. 

Bath  Houses  and  Bathing  Pavilions — Beach. 
Basis   of   premium  computation — per  $100  of  gross 
receipts 50 

The  minimum  premium  per  season  or  year  shall  not  be  less 
than  an  amount  equivalent  to  10  centa  for  each  dressing 
room. 

Churches. 

Flat  premium  charge  per  annum  : 

In  cities  with  population  of  100,000  or  over 50.00 

Elsewhere 25.00 

Dance  Halls,  Including  dance  floors,  galleries  and  in- 
struction rooms. 

Basis  of  premium  computation — per  §100  of  admis- 
sion receipts : 

When  alcoholic  liquors  are  served  on  the  prem- 
ises, minimum  annual  premium,  $50.00,     rate    2.00 
When  no  alcoholic  liquors  are  served  on  the  prem- 
ises, minimum  annual  premium,  $25.00,    rate    1.00 

(52) 


Reprinted  Page— revised  May  11,  19JG. 

Dog  Shows.    Rate  as  "  Horse  Shows." 
Exhibitions  --  Agricultural,    Horticultural   or    Indus- 
trial, in  halls,  theatres  or  auditoriums: 
Basis  of  premium  computation — per  $100  of  gate 
receipts 50 

Minimum  premium  for  term  of  policy,  which  term  shall 
include  but  one  continuous  exhibition — in  cities  with  popu- 
lation of  100,000  or  over,  $125.00.  Elsewhere,  $50.00. 

These  minimum  premiums  are  not  subject  to  short  rate  or 
pro  rata  adjustment. 

Golfers. 

A  Public  Liability  policy  may  be  issued  to  an  indi- 
vidual golfer  insuring  him  against  loss  by  reason  of 
his  liability  for  accidents  suffered  by  any  person, 
including  his  caddy,  club  members,  club  employees, 
fellow  players  and  general  public,  for  limits  of 
$5,000  for  one  person  injured  and  $10,000  for  any 
one  accident  in  which  more  than  one  person  is 
injured. 

Premium  for  one-year  policy 3 . 00 

Premium  for  three-year  policy 7. 00 

Horse  Shows — in  halls,   theatres  or  auditoriums  ex- 
clusively. 

Basis  of  premium  computation — per  $100  of  gate 
receipts 1 . 00 

Minimum  premium  for  term  of  policy,  which  term  shall 
include  but  one  continuous  exhibition,  in  cities  with  popu- 
lation of  100,000  or  over,  $125;  elsewhere,  $50.  These 
minimum  premiums  are  not  subject  to  short  rate  or  pro 
rata  adjustment. 

Lunch  Wagons,  including  hauling  to  and  from  the  place 

of  business,  rate  for  each,  per  annum 10 . 00 

Skating  Rinks — Ice  or  Roller. 

Basis  of  premium  computation — per  $100  of  admission 
receipts,  including  receipts  from  the  hiring  of  skates.  .  50 

Minimum  premium  per  season  or  year,  $125  for  each  rink  in 
cities  with  population  of  100,000  or  over;  elsewhere,  $50. 
These  minimum  premiums  are  not  subject  to  short  rate 
or  pro  rata  adjustment. 


(53) 


Classification  No.     Comp.  P.L.  Teams'  Auto, 

Absorbent  Cotton    Mfg 4690    BF      Z        R      5 

Acetic  Acid  Mfg :      4536    CM     ZB      R     5 

Acetylene  Gas  Machine  Mfg 3522    CM     ZB      R      5 

JAcetylene  Gas  Machines — instal- 
lation   3722  CQ  ZJ  R  5 

Acetylene  Gas  Tank  Charging  Sta- 
tions— operation 4636  E6  ZT  R  5 

Acid  Mfg.  (not  otherwise  classified).    4510    CT      ZB      R      5 

Adding  Machine  Mfg 3567     BA      ZA      R      5 

Additions  to,  alterations  and  repairs 
of  assured's  existing  buildings  or 
plants  (not  maintenance  of  equip- 
ment covered  as  manufacturing 
operations)  excluding  the  erection 
or  demolition  of  structural  steel  or 
of  any  fabricated  iron  or  steel  prod- 
uct or  structure,  or  the  construc- 
tion of  sewers,  tunnels,  shafts,  or 
subways 5602  GS  ZJ  —  5 

This    classification   is   not  available 
to  contractors. 

Advertising  Novelties  Mfg. — not  ex- 
clusively wood,  metal  or  celluloid .  4950  CG  ZA  R  5 

This  classification  applicable  to  con- 
cerns engaged  exclusively  in  the  manu- 
facture  of    a    miscellaneous    line    of 
Advertising  Novelties. 
Advertising  Signs  Mfg. — celluloid . .     4454    CD      ZB      R      5 

Advertising  Signs  Mfg.— glass 4132     BL      ZA      R      5 

Advertising  Signs  Mfg. — metal 3064    CJ      ZB      R      5 

{Advertising  Signs-^-erection  and  re- 
pair only  (excluding  sign  painting 

on  buildings) 9540    CZ      ZM     R      5 

Public  Liability  policies  shall  cover 
only  during  the  actual  performance 
of  the  work. 
{Advertising     Signs  —  maintenance 

and  operation  of 9542     DJ      (b)    R      5 

Aerated  Water  Mfg 2160    CZ      ZG     PA     3 

Aeroplane  Mfg.,  including  over- 
hauling and  repair  in  shop  and 
outside,  excluding  operation  and 

demonstration 3830    BR     ZD      R      5 

For    coverage    of    operation    and 
demonstration — refer  to  Home  Office. 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(55) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Agate    and    Enamel     Ware    Mfg.    3224    CV      ZB      R      5 

AGRICULTURAL  MACHINERY  MFG. 

Road  or  Street  Making  Machinery 
Mfg 3521    CT      ZC      P     5 

Threshing  or  Husking    Machine 
Mfg 3504    CT      ZC      P     5 

Traction  Engine  or  Power  Plow 
Mfg 3505    CT      ZC      P     5 

Wagon  Mfg 3868    CJ      ZA      R     5 

If  the  business  of  the  assured 

is   completely    described  by  one 

of    the   foregoing    classifications, 

the   risk   must   be   assigned    to 

such  classification. 

If  the  business  of  the  assured 

is  not  completely  described  by  one 

of    the    foregoing   classifications, 

the  risk  must  be  classified  and 

rated  as  follows : 

Machine  Shop — no  foundry, 

If  the  following  operations  are 

included  each  must  be  separately 

classified  and  rated  : 

Foundries— iron 3081     CE      ZC      R     5 

Foundries — malleable  iron 3086     CJ       ZB       R     5 

Woodworking 2825    CM     ZA      R     5 

Agricultural     Tools     Mfg.    (hand) 

(shovels,   spades,    scoops,    pitch- 
forks, rakes,  hoes  and  gardening 

tools) 3137    BW    ZB      R     5 

Alcohol  Mfg 4535    CM     ZB      R     5 

Aluminum  Smelting 1434    CP     ZG       R      5 

Aluminum  Ware  Mfg.,    from  sheet 

aluminum — no  rolling  mill  or  smelt- 
ing operations 3227    CR     ZB      R      5 

Ammonia  Mfg 4521     CM     ZB      R      5 

Amusement  Parks — (rate  as  "Exhibi- 
tions.") 
Analytical  Chemists,  including  shop 

work  and  work  performed  away 

from  shop 4511     CM     ZD      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(56) 


Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Anchor  Mfg 3108  CQ  ZG  P      5 

Aniline  and  Alizarine  Mfg 4553  CM  ZB  R      5 

Apartment  Hotels  and  Hotel  Apart- 
ments (excluding  power  laundry) .  9005  BH  YE  MA/R  2  ^ 

Laundries  in  connection  with  apart- 
ment hotels  and  hotel  apartments  oper- 
ating no  machinery,  doing  hand  work 

exclusively,  to  be  covered   under  the  ,j 

governing  classification. 

Power  Laundries  to  be  classified 
separately  as  "Laundries — not  other- 
wise classified." 

Apartment   Houses. 9004    BY      YE    MA/R  2 

Apartment  House — one  apartment 
(tenant's  risk)  see  page  33. 

{Appliances — installing  and  erecting 
copper  and  other  sheet  metal 
wholly  inside  buildings  not  in 
course  of  construction  (not  other- 
wise classified) 5114  CL  ZJ  R  5 

Appraising  of  Buildings,  their  Con- 
tents and  Machinery 8721  BF  ZD  S  5 

^Architects— supervising 5603    CM     ZL      S      5 

Arms  Mfg. — heavy  ordnance  (not 
charging  shells) 3527  CT  ZC  P  5 

Arms  Mfg. — small  arms  (not  charg- 
ing shells) 3200  BL  ZA  R  5 

Arsenic  Mfg 4532    CM     ZB      R      5 

Art  Novelties — finishing  and  assem- 
bling only  (not  otherwise  classi- 
fied)— no  stamping  (not  avail- 
able for  division  of  payroll) 4951  BL  Z  R  5 

JArtesian  Well  Drilling 6201     CT      ZJ      R      5 

Artificial  Feather  and  Flower  Mfg.    2534    A V      Z       R      5 

Artificial  Limb  Mfg 4970    CC      ZA      R      5 

Asbestos   Goods  Mfg 1852    CT      ZA      R      5 

{Asphalt  Laying — street  or  sidewalk 

(including  shop  and  yard) 5503  06  ZL  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(57) 


Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Asphalt  Works  (shop  and  yard  only)    4745    GQ      ZD      R      5 
Assaying  1410    GT      ZB      R      5 

Asylums : 

Clerical  Office  Employees 8810    AE 

Professional  Employees 8830    AS 

All  other  employees  except  drivers 
and  drivers'  helpers,  chauffeurs 
and  chauffeurs'  helpers  and  em- 
ployees in  power  laundries 9040  BH  YD  MA/R  5 

Laundries  in  connection  with  asylums 
operating  no  machinery,  doing  hand 

v/ork  exclusively,  to  be  covered  at  the  J 

rate  for  "All  other  employees,"  etc. 

Power  laundries  to  be  classified  se- 
parately as  "Laundries— not  otherwise 
classified." 

Public  Liability  for  asylums  ex- 
cludes injuries  to  patients  due  to  the 
rendering  of  any  professional  ser- 
vices, or  the  omission  thereof,  by 
any  doctor,  nurse  or  other  attendant. 

For  Public  Liability  rate  for  cottages 
attached  to  asylums,  see  rule,  page  30. 


See  Division  of  Payroll    Rules,  pages  7  to  11  Inclusive. 

(OTA) 


Reprinted  Page — July  17,   1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Asylums  for  the  Insane —     (a)    (a)  MA/R  5 

Public  Liability  for  asylums  excludes 
injuries  to  patients  due  to  the  render- 
ing of  any  professional  services,  or  the  . 
omission  thereof,  by  any  doctor,  nurse 
or  other  attendant. 

For  Public  Liability  for  cottages 
attached  to  asylums,  see  rule,  page  30. 

Athletic  Clubs 9065    BH     YF  MA/R  5 

Public  Liability  for  gymnasium, 
$10.00  additional ;  for  swimming 
tank,  $5.00  additional ;  for  bowling 
alleys,  $5.00  additional  per  alley. 

Auctioneers  —  to  cover  wherever 
goods  are  auctioned  (not  live  stock 
sales  stables) 8090  BD  ZJ  B  3 

Auditors,  Accountants  and  System- 
atizers: 

Clerical  office  employees,  travel- 
ing auditors,  accountants  and 

office  systematizers 8803    AE     Z       S      5 

Factory  Cost  Systematizers 8722     BX     ZC      S      5 

Autogenous  Cutting  and  Welding 
(oxy-acetylene  process)  (rate  as 
"Oxy-  Acetylene  Cutting  and 
Welding.") 

Automatic  Slot  or  Vending  Machines, 
Mfg.  (including  installation  in 

place,  repairs  and  taking  down).. .     3560     EX     ZE      R      5 
Automatic  Slot  or  Vending  Machines 

—operation  of 8743  (b)      P3      5 

Automatic  Sprinkler  Mfg 3583    BX     ZA      R      S 

JAutomatic  Sprinkler — installation..     5188     CM     ZG      R      5 
t  Automatic  Stoker— installation     . .     373^    GQ      ZJ       P      2 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(58) 


Reprinted  Page— July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Au'o. 

Automobile,  Carriage  and  Wagon 
Body  Mfg. — metal  or  wood  (not 
available  for  division  of  payroll) . .  3802  BY  ZA  R  5 

Automobile  Dealers  —  with  or 
without  garage,  and  auto  garages. 
Entire  remuneration  of  all  em- 
ployees, not  excepting  clerical  (in- 
cluding executive  officers  whose 
duties  expose  them  to  any  opera- 
tive hazard  of  the  business)  must 
be  included  without  division.  The 
actual  remuneration  of  such  ex- 
ecutive officers  and  salesmen  must 
be  included  in  the  payroll  but  not 
in  excess  of  $1,500  per  annum, 
per  officer  or  salesman 8380  BT  —  —  — 

Automobile  Engine  Mfg 3805     BR     ZB       R      5 


See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(58  A) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Automobile  Frame  Mfg.  (not  chassis) 

— (not  available  for  division    of 

payroll) 3800    CJ      ZB      R     5 

Automobile  Garage^— private  (when 

not  on  same  premises  with  private 

dwellings). 

Public  Liability  $4.00  per  annum 

or  $10.00  for  three  years. 
Automobile     Lamp    and     Lantern 

Mfg — (not  available  for  division 

of  payroll)      3801     CM     ZB      R     5 

Automobile    Livery,    Garages   and 

Taxicab  Stations: 
Employees  of  garage  excluding 

Chauffeurs    and  Clerical     Office 

Employees * 8380    BT     —   —   — 

Chauffeurs 7382    06     —   —   — 

Clerical  Office  Employees 8810    AE      —   —    — 

Automobile     Mfg. — assembling     of 

manufactured    parts    only    (not 

available  for  division  of  payroll)..     3809     BP     Z        R      5 
Automobile  Mfg 3808    BR     Z       R     5 

This  classification  applies  only  to 
concerns  turning  out  automobiles 
as  finished  products,  including  the 
manufacture  of  such  parts  as  they 
may  themselves  manufacture,  with 
assembling  and  finishing  of  automo- 
biles, and  is  not  applicable  to  con- 
cerns engaged  in  the  manufacture  of 
specific  parts,  such  as  motors, 
bodies,  castings  and  the  like. 

Automobile   Radiator   Mfg.  —  (not 

available  for  division  of  payroll) . .     3807     BY     ZA      R      5 
Automobile  Salesrooms    (no  garage 
or  repair  shop;  no  movement   of 
cars  except  by  hand)   entire  com- 
pensation of  salesmen  and  clerical 

force  to  be  included 8109    BD     ZD    —   — 

Automobile  Tops  Mfg. — excluding 
the  manufacture  of  metal  or  wooden 
parts  (not  available  for  division 
of  payroll  in  "Automobile  Mfg".)  3804  BL  ZA  R  5 

For  the  manufacture  of  metal  or 
wooden  parts  of  automobile  or  carriage 
tops  rate  as  "  Hardware  Mfg. — auto- 
mobile of  carriage  ". 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(59) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Automobile  Wind  Shield  Mfg 3806  BR  ZA  R  5 

Awning  and  Tent  Fabric  Mfg.  (shop 

only)  —  no      manufacturing     of 

wooden  pegs  or  iron  frames 2246  BW  Z  R  5 

Awning  and  Tent  Mfg.— shop  only  2574  BL  ZA  R  5 

J  Awning  and  Tent — erection 9543  CZ  ZL  R  5 

Axe  Mfg 3115  CF  ZB  R  5 

Axle  Grease  Mfg 4742  CA  ZA  R  5 

Axle  Mfg.— wood 3862  CM  ZA  R  5 

Babbitt   Metal  Mfg 3335  BZ  ZB  R  5 

Baby   Carriage  Mfg 3865  BT  Z  R  5 

Badge  Mfg.— cloth 2389  AW  Z  R  5 

Badge  Mfg. — metal  (no  stamping) . .  3135  BL  ZA  R  5 
Bag  Mfg. — burlap,  sacking  (sewing 

only) 2575  BF  Z  R  5 

Bag  Mfg. — paper    only — no    paper 

making 4273  BQ  Z  R  5 

Bag  Mfg. — traveling,   portmanteau 

and  valise... 2683  BL  Z  R  5 

Bakeries; 2000  BZ  ZB  RA  4/5 

Baking  Powder  Mfg.— no  can  mfg.  4500  BL  ZA  R  5 

Ball  Bearing  Mfg 3638  BS  ZA  R  5 

Barber  Shops 9580  BL  YF  R  5 

Public  Liability  excludes  injuries 
to  customers  due  to  the  rendering  of 
any  professional  services,  or  the 
omission  thereof,  by  any  barber,  chir- 
opodist, manicure  or  other  attendant. 

Barbers'  Supplies   Mfg.     (including 

furniture) 2872  CB  ZA  R  5 

Bark  Mills 2716  DD  ZD  R  5 

Bark  Peeling 2701  DF  ZD  R  5 

Barrel  Mfg. — making  heads,  hoops 

and  staves,  and  assembling 2742  CY  ZA  R  5 

Barrel  Mfg.  —  not  making  heads, 

hoops  and  staves,  assembling  only.  2745  GR  ZA  R  5 
Barrel  Mfg.  —  wood  veneer  (no 

veneer  mfg.) 2906    CY     ZA      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(60) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Barytes  Mfg. — no  quarrying 1 740    OH      ZC      R      5 

Baseball  Clubs  and  Parks: 

All  players  on  salary  list  of  as- 
sured, whether  regularly  played 

or  not— including  umpires 9181     CV      (b)  MA/R  5 

All  employees  engaged  in  care, 
maintenance  and  operation  of 
grounds  and  care  of  teams,  in- 
cluding ticket  sellers  and  col- 
lectors, trainers,  managers  (not 
playing  managers)  bat  boys 

and  special  officers 9182     BY      (b)     R      5 

Baseball  Mfg 2690    BL      Z      R      5 

Basket  Mfg. — willow  ware 2903    BX      ZA     R      5 

Basket    Mfg. — wood    veneer     (no 

veneer  mfg.) 2907    GY      ZA     R      5 

Bath  Houses  and  Bathing  Pavilions 

—Beach 9183    CC     (b)     R      5 

Baths  (not  otherwise  classified)  ....     9064    CC      Yl     R      5 

Public  Liability  for  baths  excludes 
injuries  to  customers  due  to  the  ren- 
dering of  any  professional  services, 
or  the  omission  thereof. 

Public  Liability  minimum  pre- 
mium, $50.00. 

Battery  Mfg. — storage  (manufac- 
tured from  lead  plates) 3640  CR  ZG  R  5 

Battery  Mfg. — storage  (manufac- 
tured from  iron  and  nickel  plates).  3641  GH  ZC  R  5 

Bean  Sorting  and  Handling 2054    BL      ZA      R      5 

Bedstead  Mfg.— metal 3302    BY     ZB      R      5 

Bedsteads  Mfg. — metal — assembling 
manufactured  parts  only  (not  avail- 
able for  division  of  payroll) 3304  BV  ZA  R  5 

Beet  Sugar  Mfg 2030    CM      ZF     0      5 

JBells  (tower  bells)— installation..  .     9532     DC      ZJ      P      5 

Bent  Wood  Mfg 2879    CB      ZA     R      5 

Bicycle  and  Bicycle  Parts  Mfg. — 
(including  the  assembling  of 
bicycles) 3840  BR  Z  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(61) 


Classification  No.     Comp.  P.L..  Teams'  Auto. 

|  Bill  Posting — no  erection  or  repair 

of  signs 9545    DJ      ZJ     R      5 

Billiard  and  Bowling  Halls  : 
*No  alcoholic  drinks  served  on  the 

premises 9084    BQ      YF     R      5 

*When  alcoholic  drinks  are  served 
on  the  premises 9085     BQ      YH      R      5 

^Additional  charge  for  P.  L.  of  $5.00 
per  alley. 

Billiard  Halls — no  bowling  alleys: 

No  alcoholic  drinks  served  on  the 

premises 9086    AX      YF      R      5 

When  alcoholic  drinks  are  served 

on  the  premises 9087    AX     YH      R      5 

Billiard  Table  Mfg. — including  set- 
ting up  and  taking  down  at  place 
of  delivery 2870  CB  ZA  R  5 

Black  Lead  Mfg 1749    CH      ZA     R      5 

Blacking  Mfg. — shoe — nocanmfg..     4590    GC      ZA      R      5 

Blacksmithing  —  not  shoeing  (not 
available  for  division  of  payroll) . .  31 07  CJ  ZC  R  5 

Blacksmithing — shoeing 9590    CV      ZD      R      5 

If  employees  lead  or  drive  animals  of 
customers  to  and  from  shop,  P.  L.  rate.  ZJ 

JBlast  Furnaces — erection,  repair  and 
re-lining 5002  DY  ZJ  R  5 

Blast   Furnaces — operation 1421     DO     ZG      P      5 

Blasting — payroll  to  include  the 
whole  remuneration  of  all  em- 
ployees engaged  in  the  storage, 
handling,  or  use  of  explosives 
including  loading,  capping,  con- 
necting and  firing;  with  an  ad- 
ditional minimum  premium  of 
$25.00  (see  rule  relative  to  divi- 
sion of  payroll  entitled  "Blasting").  6280  ER  ZY  R  5 

Bleacheries 2414    BX      Z       R      5 

Bleaching  Powder  Mfg 4527    CH      ZB      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(62) 


Reprinted  Page — June  20,  191G. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Boat  Building — constructing  canal 
boats,  scows,  and  barges  (not 
available  for  division  of  payroll) . .  6803  CZ  ZS  R  5 

Boat  Building — constructing  or  re- 
pairing motor  boats  —  wood  or 
metal — not  exceeding  75  feet  over 
all  (including  shop  and  yard  work) 
(not  available  for  division  of  pay- 
roll)   6823  CQ  Z6  R  5  i 

Boat  Building — constructing  or  re- 
pairing small  yachts,  sailboats 
or  rowboats — wood  or  metal — not 
exceeding  40  feet  over  all  (includ- 
ing shop  and  yard  work)  (not  avail- 
able for  division  of  payroll) 6821  CQ  Z6  R  5 

Boat  Building  —  constructing  or 
repairing  small  yachts,  sailboats 
or  rowboats — wood  or  metal — not 
exceeding  150  feet  over  all  (includ- 
ing shop  and  yard  work)  (not  avail- 
able for  division  of  payroll) 6820  CV  ZG  R  5 

Boat  Building  —  iron  or  steel,  where 
staging  or  scaffolding  is  used,  not 
otherwise  classified  (including  shop 

and  yard  work) 6840    CZ      ZG      R     2 

Boat  Building — wood,  where  staging 
or  scaffolding  is  used,  not  other- 
wise classified  (including  shop  and 

yard  work) 6801     CZ      Z6      R      5 

Bobbin  and  Spool  Mfg.— wood 2781     CM     ZA      R      5 

Boilermaking 3620    CT      ZC      P      2 

Boiler  Inspecting 8731     CZ      ZJ      S      5 

{Boiler  Scaling 8732    CZ      ZJ      R     5 

J  Boilers  (steam) — installation  and  re- 
pair including  construction  of  neces- 
sary concrete  or  masonry  founda- 
tions. Payroll  for  "Comp."  cov- 
erage to  include  drivers  and  drivers' 
helpers,  also  chauffeurs  and  chauf- 
feurs' helpers 3726  DE  ZJ  P  2 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(63) 


Classification  No.  Comp.  P.L.  Teams'  Auto. 

Bolt  and  Nut  Mfg.  —  excluding  steel 

mfg;    excluding    rolling    mill 

operations  .....................  3132  BY  ZA      R  5 

Bond  Paper  Mfg  ..................  4232  CB  ZB      R  5 

Bone  and  Ivory  Turning  ..........  4481  66  ZA      R  5 

Bonnet  Frame  Mfg.—  no  wire  mfg.  2533  AV  Z  R  5 

Bookbinding  .....................  4307  BL  R  5 


Boot  and  Shoe  Machinery  Mfg.  ..     3558    BQ     ZA      P      5 
Boot  and  Shoe  Mfg  ...............     2660    AX     Z        R      5 

Boot  and  Shoe  Pattern  Mfg.  —  {not 

available  for  division  of  payroll)  .  .     2792    BF     ZA      R      5 
Borax  Mfg..  ....................     4529    CH     ZA      R      5 

Bottle  Dealers  (second  hand)  ......     8212    6H     ZD      8      5 

Bottle  Mfg.  —  no  automatic  blowing 
machines  (not  available  for  divi- 
sion of  payroll)  ................     4111     B6     ZA      R      5 

Bottle  Mfg.—  not  otherwise  classified     4114    BT      ZA      R       5 
Bottling—  under  pressure  ..........     2161     GZ      Z6      PA     3 

Bottling  —  not  under  pressure     (not 

available  for  division  of  payroll).  .     2165     CM     ZB      PA     3 
Bowling  Halls: 
*No  alcoholic  drinks  served  on  the 

premises  .....................     9082    06      YF      R      5 

*When  alcoholic  drinks  are  served 

on  the  premises  ..............     9083    66      YH      R      5 

*Additional    charge    for    P.    L.     of 
$5.  00  per  alley. 

Box  Mfg.—  cigar  .................     2766    CM      ZA      R      5 

Box  Mfg.  —  folding  paper  boxes  —  no 

paper  or  paper  board  mfg  ......     4241     BZ      ZB      R      5 

Box  Mfg.  —  solid  paper  boxes  —  no 

paper  or  paper  board  mfg  ........     4240    BZ      ZB       R      5 

Box  Mfg.  —  wood  —  assembling  only  2767  CM  ZA  R  5 
Box  Mfg.  —  wood  —  mfg.  shooks  and 

assembling  .....................     2760    CX     ZC      R      5 

Box  Mfg.  —  wood  (wire  bound)  —  no 

box  shooks  mfg.  (not  available  for 

division  of  payroll)  .............     2765    CM     ZA      R      5 

Box  Shooks  Mfg  ..................     2717    DD     ZC      R      5 

Braid  and  Fringe  Mfg  ............     2387     BA     Z        R      5 

Brass  Goods  Mfg  .................     3311     CB     ZA      R      5 

Breakfast  Food  Mfg.  —  prepared 

foods  excluding  Oatmeal  and  Corn 

Milling  .......................     2016    GG     ZB      R     5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(64) 


Reprinted  Page — August  28,    1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Breweries — with  or  without  bottling, 
excluding  drivers  and  drivers'  help- 
ers, chauffeurs  and  chauffeurs' 

helpers7 2121     CM     ZA      OB    2 

Drivers  and  drivers' helpers 7215     CK      ZA      OB     2   1 

Chauffeurs  and  chauffeurs'  helpers     7388     CG     ZA      OB    2   ^ 

|Brewery  Vats — metal  and  wood — 
installation 3728  CQ  ZJ  R  5 

Brick  Mfg. — including  construction 
and  reconstruction  of  sheds  and 
kilns  if  done  by  assured's  employees, 
also  including  underground  mining.  4010  GS  ZC  RB  5 

Brick  Mfg. — including  construction 
and  reconstruction  of  sheds  and 
kilns  if  done  by  assured's  em- 
ployees, also  including  clay  dig- 
ging and  quarrying  (no  under- 
ground mining) 4029  CF  ZC  RB  5 

t  Bridge  Building  —  masonry  other 
than  concrete  (no  blasting) 5021  DP  ZP  RB  5 

{Bridge  Building — metal — (no  blast- 
ing)    5067  EG  ZU  P  2 

t  Bridge  Building— wood  (no  blasting).     5407     DQ     ZM     R      5 

Bristol  Board  Mfg. : 

No  pulp  mill 4233    CR     ZB     R      5 

With  pulp  mill  (rate  as  "Paper  and 
Pulp  Mfg.") 

Broom  Mfg. — assembling  of  manu- 
factured parts  only  (not  available 
for  division  of  payroll) 2833  BF  ZA  R  5 

Broom  Mfg. — with  saw  mill  or  wood- 
working machinery 2830  CM  ZA  R  5 

Brush  Mfg. — assembling  ,  only,  ex- 
cluding sawing,  moulding  and  turn- 
ing of  backs  and  handles 2832  BF  ZA  R  5 

Not  available  for  division  of  payroll 
when  located  on  same  or  adjoining  prem- 
ises where  other  brush  mfg.  operations 
are  carried  on. 

Brush  Mfg. — including  assembling 
and  sawing,  moulding  and  turning 
of  backs  and  handles 2831  CH  .ZA  R  5 

Brush  Mfg. — sawing,  moulding  and 
turning  of  backs  and  handles  only- 
excluding  assembling 2834  CQ  ZA  R  •  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(65) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Buffing    Wheel     Mfg.  —  cloth    or 

leather  only 4980  BV  Z  R  5 

Building  Mfg. — portable,  metal  (shop 

only) 3079  CD  ZD  R  5 

Building  Mfg. — portable,  wood  (shop 

only) 2814  GQ  ZD  R  5 

Building  Material  Dealers  (yard 

work  only — no  second  hand  ma- 
terials or  lumber  yard) 8205  GE  ZG  RB  5 

Building  Material  Dealers  (yard 

work  only— secondhand  materials). 

Payroll  for  "Comp."  coverage  to 

include  drivers  and  drivers'  helpers, 

also  chauffeurs    and    chauffeurs' 

helpers  8204  CT  Z6  RB  5 

{Building  Moving.  Payroll  for 

"Comp."    coverage    to    include 

drivers  and  drivers'  helpers,  also 

chauffeurs  and  chauffeurs'  helpers  5703  DV  ZQ  R  5 
Building  Paper  or  Building  Felt 

Mfg. — no  paper  or  felt  making. . .  4283  GO  ZB  R  5 
t  Building  Raising — shoring  buildings, 

removing  walls  and  foundations, 

columns  and  piers,  and  rebuilding 

same 5702  DZ  ZQ  R  5 

J  Buildings — Office  or  Mercantile. 

Contractors    for     janitor     work, 

including  cleaning  and  caretaking, 

also  the    operation   of   elevators, 

heating,     lighting,     and     power 

apparatus  on   the  premises   (not 

available  for  division  of  payroll) . .     9001     BY     ZJ      R      5 

This  classification  does  not  apply  to 
contractors  whose  sole  or  principal 
business  is  window  cleaning. 

{Buildings,  Portable — erection  of  sec- 
tional buildings 5405    CM     ZJ      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(66) 


Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

J  Buildings —  Private  Residences  or 
Private  Estates.  Contractors  for 
janitor  work,  including  cleaning 
and  caretaking,  care  of  lawns,  side- 
walks and  furnaces  and  all  other 
work  incidental  to  the  care,  cus- 
tody and  maintenance  of  the  prop- 
erty, excluding  extraordinary  ad- 
ditions, alterations  or  repairs 9002  BY  ZJ  R  5 

This   classification    does    not   apply 

to  the  owner  or  tenant  hiring  labor 

direct. 

Bunting  Mfg 2283  B6  Z  R  5 

Burlap  and  Sack  Mfg.— weaving. ..  2345  CD  Z  R  5 
Butchering — including    handling   of 

livestock 2081  DD  ZD  RB  5  i 

This  classification  must  include  all 
payroll  involved  in  the  handling  of  live 
stock  and  carcasses  to  and  including 

loading  of  dressed  beef,  pork,  sheep  or  ^ 

calves  on  cars  for  shipment,  but  does 
not  include  the  treatment  of  the  viscera 
or  by-products  after  removal  of  the 
carcass. 

Butchers'   Supplies  Mfg 4910    CH      ZB      R     5 

Butter  Mfg 2067    BV     ZA      R     5 

Butterine  Mfg 4717     BV      ZA      R      5 

Button  Mfg.— celluloid 4453    CD      ZB      R     5 

Button  Mfg.— pearl  and  shell 4480     BX      ZA      R      5 

Button  Mfg.— vegetable  ivory 4482    BF      ZA      R      5 

Button  Mfg,— nototherwiseclassified     3131     BY      ZA      R      5 
Cab    Companies    (horse)    including 
all    payroll  except  clerical    office 

employees 7202    CK     Z6      MA- 

For  rate  to  cover  accidents  to  pub- 
lic caused  by  horses  and  vehicles  out- 
side the  stable  walls,  see  Teams'  rate. 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(67) 


Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams"  Auto. 

Cabinet  Works  —  no  power  driven 
woodworking  machinery  (not  avail- 
able for  division  of  payroll) 2813  BM  ZA  R  5 

Cabinet  Works — with  power  driven 

-machinery 2812     (a)  (a)     R      5 

Cable  Mfg.— wire 3240    CZ     ZB      R      5 

%  Cable  (electric) — placing  of  same  in 
conduits  or  subways 7536  GH  ZJ  R  4 

Cables — insulation — no  wire  drawing    4470    GR      ZA      R      5 

I  Caisson  Work — bridges  and  other 
subaqueous  work;  payroll  to  in- 
clude that  of  all  employees  work- 
ing under  air  pressure,  and  all 
others  engaged  in  or  upon  the 
caissons  or  the  apparatus  connected 
therewith 6250  EE  ZM  R  £ 


See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(67A) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

{Caisson  Work  —  building  founda- 
tions; payroll  to  include  that  of 
all  employees  working  under  air 
pressure  and  all  others  engaged 
in  or  upon  the  caissons  or  the  ap- 
paratus connected  therewith 6253  DY  ZP  R  5 

Camphor  Mfg 4530    CA      ZB     R      5 

Can   Mfg 3220    DA     ZB     R      5 

J  Canal  Construction  (excluding  barge 
canal  construction)  —  all  opera- 
tions in  connection  therewith, 
except  railroad  operations,  bridge 
building,  caisson  work  and  wrecking  6361  DK  ZJ  R  5 

The  above  excepted  classifications 
to  take  full  Manual  rates. 

For  contracts  involving  the  per- 
formance of  dredging  work  only — no 
rock  work,  no  blasting  and  no  other 
operations  of  any  nature  whatsoever 
— apply  the  rate  for  the  classification 
"Dredging — by  floating  dredges." 

Candle  Mfg , 4710    CA     ZA      R      5 

Candy  Mfg 2041     BM     ZA      R      5 

Cane  Mfg 2952     BY     ZA      R      5 

Canneries — no  can  mfg.  (not  other- 
wise classified) 2111  CE  ZA  R  5 

Canoe  Building 6822    CH     ZA      R      5 

Canvas  Belting  Mfg 2245    BW    ZA      R      5 

Canvas  Mfg 2247    BW    Z       R      5 

Cap  and  Hat  Mfg.— cloth 2535    AV     Z       R      5 

Capsule  Mfg.— gelatine 4657    BF     Z        R      5 

Car  Mfg.— railroad  (all  kinds) 3881     CV     ZD      R      5 

Car  Wheel  Mfg. — cast  iron  or  steel 

—not  pressed  steel 3880    CV     ZG      R      5 

Car    Wheel    Mfg.  —  pressed    steel 

wheels 3882    CV     ZC      R      5 

Carbide  of  Calcium  Mfg 4533    CM     ZD      R      5 

Carbon   Mfg.  (not  electro-chemical 

process) 1465     CH     ZA      R     5 

Carbon  Paper  Mfg.— no  paper  making    4275     BF     ZA      R     5 
Carbonic  Acid  Gas  Mfg 4633     CZ     ZC      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(68) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Carborundum  or  other  Abrasive 
Material  Mfg. — by  electro-chemi- 
cal process 1880  CP  ZC  R  5 

Carbureter  Mfg 3581     BA     ZA      R     5 

Cardboard  Mfg  : 

No   pulp  mill 4233    CR     ZB      R     5 

With  pulp  mill  (rate  as  'Taper  and 
Pulp  Mfg.") 

Card  Clothing  Mfg 3510    BA     ZA      R     5 

Carding  and  Fulling  Mills — (not 
available  for  division  of  payroll)  ..  2221  BO  Z  R  5 

t  Carpentry — not  otherwise  classified     5401     DE     ZJ       R      S 

Carpentry  work  in  connection  with 
wooden  bridges  to  take  rate  for '  'Bridge 
Building — wood." 

I  Carpentry — installation  of  interior 
trim  such  as  builders'  finish  and 
cabinetwork, 5437  BX  ZJ  R  5 

Carpentry — shop  only 2803     CO      ZC      R      5 

Carpet  Cleaning  or  Beating 9640     CG      ZC      R      4 

Carpet  Mfg 2400    BE     ZA      R     5 

Carnage  and  Wagon  Mfg. — assem- 
bling of  manufactured  parts  only 
(not  available  for  division  of 
payroll) 3866  BP  ZA  R  5 

Carriage  and  Wagon  Mfg 3864    GJ      ZA       R     5 

Carriage  Mfg.— no  wagon 3867    BY     ZA      R     5 

Carriage  Dashes  and  Tops  Mfg. — ex- 
cluding the  manufacture  of  metal 
or  wooden  parts  and  leather  enam- 
eling (not  available  for  division  of 
payroll  in  the  following  classifica- 
tions: "Carriage  and  Wagon  Mfg." 
"Carriage  Mfg.— no  wagon")-.,-  3863  BL  ZA  R  5 

For  the  manufacture  of  metal  or  wooden 
parts,  rate  as  "Hardware  Mfg. — auto- 
mobile or  carriage." 

Carriage  Repositories  and  Sales- 
rooms   8108  BD  YF  R  5 

J  Carrier  Systems — installation  and 
repair — inside  of  mercantile  build- 
ings only  (gravity,  pneumatic  or 
power) 5143  BX  Zl  R  5 

Installation  of  freight  carrier  systems 
to  take  the  "Millwright"  rate. 
Sec  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(69) 


Reprinted   Page — Auyuxt  28,  1910. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Cartridge  Mfg. — charging  and  loading 
-  all    operations    involving    the 

handling  of  explosives,  including  the 

manufacture  of  fulminate 4766     EL     ZQ       R      5 

Cartridge  Mfg. — for  small  arms,  in- 
cluding   insertion    of    percussion 

caps  — excl  uding  the  manufacture  of 

fulminate,    loading,    charging    or 

handling  of  explosives 3636    GB     ZA       R      5 

Cash  Register  Mfg 3569    BA     ZA       R      5 

Cast  Iron  Pipe  Mfg 3089    DD     ZC      P     5 

Castor  Oil  Mfg 4681     GT     ZA      R     5 

Catering  —  including  services  away 

from  store 9069    BL     ZG      R     4 

Cathedral  and  Art    Glass  Window 

Mfg. — with  or  without  glass  making    4133     BF      ZA      R      5 
Cattle  Dealers  (not  operating  stock 

yards— not  live  stock  shipping)  (not 

available  for  division  of  payroll) ..     8282     CZ     ZJ       R      5 

Cattle  and  Stock  Food  Mfg 2009    CO     ZG       R      5 

Ceiling  and  Wall  Covering  Mfg. — 

metal 3063    CM    ZB      R      5 

t  Cellar  Excavation  (no  caisson  or  sub- 
aqueous work),  including  digging 

holes  and  filling  them  with  concrete 

for  foundations  for  buildings 6220     DQ     ZM      R      5 

t  Cellar  Excavation  (no  caisson  or  sub- 
aqueous work,  and  no  blasting) — 

maximum  depth  of  excavation,  12 

feet  (not  available  for  division  of 

payroll) 6227    DD     ZM      R      5 

Celluloid  Goods  Mfg. — from  celluloid 

and  from  composition  in  the  manu- 
facture of  which  celluloid  has  been 

used— no  celluloid   mfg 4452     CD      ZB      R      5 

Celluloid  Mfg.   (pyroxylin  plastics) .     4440    DV     ZD      R     5 
Cement  Mfg.  including  quarrying— 

with  or  without  blasting.     Payroll 

for  "Comp."  coverage  to  include 

drivers  and  drivers'  helpers,  also 

chauffeurs  and  chauffeurs'  helpers    1651     DK      ZE  5   *i 

Cement  Mfg.— no  quarrying 1701,    GZ      ZC       R      5 

Cemetery  Companies— all  employees 

except  clerical  office— no  blasting.     9220    CD     YA     R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(70) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

t  Cesspool  Digging,  including  inci- 
dental concrete  lining— no  blasting  6304  DT  ZM  R  5 

Chain  Mfg.— not  otherwise  classified    3103    CJ      ZB       R      5 

Chain  Mfg. — automatic  process  or 
hand  forging  (not  available  for 
division  of  payroll) 3109  CB  ZA  R  5 

CHAIR  MFG.: 

Chair  Stock  Mfg. — no  assembling.    2734    CQ      ZB      R      5 
Chair  Mfg. — including  assembling 
of  manufactured  parts  and  fin- 
ishing     2880    CB     ZA      R     5 

Chair  Mfg. — assembling  of  manu- 
factured parts  and  finishing  only 
(not  available  for  division  of 
pa3Troll  when  located  on  same  or 
aH  pining  premises  where  other 
chair  mfg.  operations  are  carried 

on) 2885    BM    ZA      R      5 

Chair  Mfg.— upholstering 9524    BF     ZA      R      5 

Chandelier  Mfg 3182    BL     ZA      R      5 

Charcoal  Dealers  (no  furnaces) 8214    BX     ZD      R      3 

Charcoal  Mfg 1481     M     ZD     R      3 

Chauffeurs  and  Chauffeurs'  Helpers 
— commercial  (not  otherwise  clas- 
sified)    7380  G6  — 

This  rate  is  not  applicable  to  those 
classifications  which  specifically  pro- 
vide for  inclusion  of  payroll  of 
chauffeurs  and  chauffeurs'  helpers 
at  the  rate  for  such  classifications. 

Check  Mfg.— metal  (no  stamping). .  3140  BL  ZA  R  5 

Check  Mfg.— not  metal 4286  BF  Z  R  5 

Check  Protectors  Mfg 3573  BA  Z  R  5 

Cheese  Mfg 2061  BV  ZA  R  5 

Chemical  Mfg. — not  otherwise  classi- 
fied   4524  CM  ZB  R  5 

Chewing  Gum  Mfg 2045  BM  ZA  R  5 

t  Chimney  Construction — stone,  brick 
or  concrete,  not  structural  iron 

or  steel     5000  E6  ZM  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(71) 


Classification  No.     Comp.  P.L.  Teams*  Auto. 

China  Decorating,  including  firing — 
no  manufacturing 4050  AZ  Z  R  5 

ChinaMfg 4051    AZ     Z       R     5 

Chocolate  Mfg 2042    BA     ZA      R     5 

Churches: 
Rector  and    assistants,    organist 

and  members  of  choir 8840    AE 

All  employees  engaged  in  care, 
custody  and  maintenance  of 
premises,  including  elevator 
attendants,  excluding  extraor- 
dinary additions,  alterations 
or  repairs 9104  BY  (b)  R  5 

Cider  Mfg 2141     CE     ZA      R     5 

Cigar  or  Cigarette  Mfg. — hand  made 
(not  available  for  division  of  pay- 
roll)   2171  AV  Z  R  5 

Cigar  or  Cigarette  Mfg.— machine 
made 2170  AX  Z  R  5 

Cigarette  Paper  Mfg.  (rate  as  "Paper 
and  Pulp  Mfg.") 4235 

Circular  Loom  Mfg.— flexible  piping 
for  electric  wires 4472  BR  ZA  R  5 

Clay  Digging — (no  canal,  sewer  or 
cellar  excavation,  or  underground 
mining)  (no  blasting) 4001  DD  ZJ  R  5 

Cleaning  and  Dyeing 2583    OR     ZC      R      4 

J  Cleaning  and  renovating  outside 
surfaces  of  buildings 5469  EC  ZM  R  5 

J  Clearing  land,  removing  stumps 
and  grading  for  agricultural  pur- 
poses exclusively.  Payroll  for 
"  Comp"  coverage  to  includedrivers 
and  drivers'  helpers,  also  chauffeurs 
and  chauffeurs'  helpers 6040  CZ  ZJ  R  5 

Clerical  Office  Employees  (not  other- 
wise classified)- 8810  AE  Z  R  5 

CloakMfg 2501    AQ     Z       R      5 

Clock  Mfg 3382    BL     ZA      R     5 

Cloth  Printing 2417    BT     ZA      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(72) 


Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

Cloth    Sponging    (not   available  for 

division  of  payroll) 2415  BK  ZA  R  5 

Clothing  Mfg 2501  AQ  Z  R  5 

Club  Houses  (not  athletic,  country, 

or  yacht) 9072    BH     YD      R      5 

Public  Liability  for  gymnasium, 
$10  additional ;  for  swimming  tank, 
$5  additional ;  for  bowling  alleys,  $5 
additional  per  alley. 

Coal  Billet  and  Briquette  Mfg 1463    CM     ZD     QA    3 

COAL  MERCHANTS : 

Coal  Merchants — receiving  or  ship- 
ping by  water  or  by  land  and 
water,  including  stevedoring 
operations  when  performed  by 
the  assured  by  means  of  power 

machinery 8220     DJ      ZH      QA     3 

Drivers  and  Drivers'  Helpers.. .     7212     GX 
Chauffeurs  and  Chauffeurs' 
Helpers 7385    CX 

This  classification  not  available  to 
concerns  engaged  exclusively  in 
stevedoring. . 

Coal  Merchants — receiving  or  ship- 
ping by  land  but  not  by  water 
where  power  machinery  is  used 
either  for  loading  or  unloading 

or  spotting  cars 8221     CX      ZH     QA     3 

Drivers  and  Drivers'  Helpers. . .     7213     CX 
Chauffeurs  and  Chauffeurs' 

Helpers 7386    CX      * 

Coal  Merchants — receiving  or  ship- 
.  ping  by  land  or  water  where  no 
power  machinery  is  used  for  load- 
ing or  unloading  or  spotting  cars    8222    CO      Z6      QA     3 
Drivers  and  Drivers'  Helpers. .     7214    CQ 
Chauffeurs  and  Chauffeurs' 

Helpers 7387    CQ      * 

Cocoa  Mfg 2042    BA     ZA      R      5 

Cocoanut  Shredding  and  Drying 
(not  available  for  division  of  pay- 
roll)    2043  CE  Z  R  5 

*Payroll  must  be  included  in  the  public  liability  policy. 
See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(73) 


Reprinted  Page — August  28,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Cod  Liver  Oil  Mfg 4660    CT     ZA      R      5 

Coffee    Cleaning,     Roasting    and 

Grinding 2050    BL     Z        R      5 

COFFIN  AND  CASKET  MFG : 

Coffin  and  Casket — (wood)    mfg. 

and  assembling 2804    CM     ZA      R      5 

Coffin  and  Casket — (metal)  mfg. 

and  assembling 3074    CH      ZA      R      5 

Coffin   and    Casket  —  (concrete) 

mfg.  and  assembling 4035     CA      ZA      R      5 

Upholstery      Work      and      Mfg. 

Burial  Garments 9525    AQ     Z        R      5 

Coke  Burning 1480    CC      ZD      QA    3 

Cold  Storage  Warehouses — operation     8291     CR      Z6      R      5 
Collar    and     Cuff    Mfg. — including 
laundry 2520    AY     Z        R      5  ^ 

COLLEGES  AND  SCHOOLS : 

Agricultural . 

Clerical  Office  Employees 8810  AE 

Professors  and  Teachers 8860  AJ 

All  other  employees 9101  BY     YD   MA/R   5 

For    Public    Liability    for    cottages 
attached  to  Colleges  and  Schools  see 
rule,  page  30. 
Domestic  Science . 

Clerical  Office  Employees 8810    AE 

Professors  and  Teachers 8861     AE 

All  other  employees  except 
drivers  and  drivers'  helpers, 
chauffeurs  and  chauffeurs' 
helpers  and  employees  in 
power  laundries 9101  BH  YD  MA/R  5 

Laundries,  in  connection  with  colleges 
and  schools,  operating  no  machinery — 
doing  hand  work  exclusively,  to  be 
covered  at  the  rate  for  ' '  All  other 
employees,"  etc. 

Power  Laundries  to  be  classified 
separately  as  "Laundries— not  other- 
wise classified." 

For  Public  Liability  for  cottages 
attached  to  Colleges  and  Schools  see 
rule,  page  30. 

Bee  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 


Reprinted  Page — June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

Manual  Training. 

Clerical  Office  Employees 8810    AE 

Professors  and  Teachers 8862    il 

All  other  employees  except 
drivers  and  drivers'  helpers, 
chauffeurs  and  chauffeurs' 
helpers  and  employees  in 
power  laundries 9101  BH  (a)  HA/R  5  ^ 

Laundries,  in  connection  with  colleges 
and  schools,  operating  no  machinery — 
doing  hand  work  exclusively,  to  be 
covered  at  the  rate  for  "all  other 
employees, "  etc.  lk 

Power  Laundries  to  be  classified 
separately  as  "Laundries— not  other- 
wise classified." 

For  Public  Liability  for  cottages 
attached  to  Colleges  and  Schools  see 
,  rule,  page  30. 

Military . 

Clerical  Office  Employees 8810    AE 

Professors  and  Teachers 8863    AE 

All    other     employees    except 

drivers  and  drivers'  helpers, 

chauffeurs  and  chauffeurs' 

helpers    and    employees    in 

power  laundries.... 9101     BH     YD   MA/R  5   * 

Laundries,  in  connection  with  colleges 
and  schools,  operating  no  machinery — 
doing  hand  work  exclusively,  to  be 

covered    at   the   rate   for   "all  other  ^ 

employees,"  etc. 

Power  Laundries  to  be  classified 
separately  as  "Laundries— not  other- 
wise classified." 

For  Public  Liability  for  cottages 
attached  to  Colleges  and  Schools  see 
rule,  page  30. 

Veterinary. 

Clerical  Office  Employees 8810    AE 

Professors  and  Teachers 8864    AJ 

All     other     employees   except 

drivers  and  drivers'  helpers, 

chauffeurs  and    chauffeurs' 

helpers    and    employees    in 

power  laundries 9101     BH     YD   MA/R  5  * 

Laundries,  in  connection  with  colleges 
and  schools,  operating  no  machinery— 
se  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(75) 


Reprinted  Page — June  1,  1916. 

Classification  No.     Comp.  P.L.  Teams'  Auto, 

doing  hand  work  exclusively,  to  be 
covered  at  the  rate  for  "all  other 
employees,"  etc. 

Power  Laundries  to  be  classified 
separately  as  "Laundries — not  other- 
wise  classified." 

For   Public   Liability   for    cottages 
attached  to  Colleges  and  Schools  see 
rule,  page  30. 
Not  otherwise  classified . 

Clerical  Office  Employees 8810    AE 

Professors  and  Teachers 8865    AE 

All  other  employees  except 
drivers  and  drivers'  helpers, 
chauffeurs  and  chauffeurs' 
helpers  and  employees  in 
power  laundries 9101  BH  YD  MA/R  5 

Laundries,  in  connection  with  colleges 
and  schools,  operating  no  machinery — 
doing  hand  work  exclusively,  to  be 
covered  at  the  rate  for  "all  other 
employees,"  etc.  ' 

Power  Laundries  to  be  classified 
separately  as  "Laundries— not  other- 
wise classified." 

For  Public  Liability  for  cottages 
attached  to  Colleges  and  Schools  see 
rule,  page  30. 

Color  Mfg.— dry| 4554    CM     ZB      R      5 

Commissary  Work — cooks,  waiters 

and  other  employees  engaged  in 

furnishing  board  for  employees  hi 

connection    with    manufacturing, 

lumbering  or  contracting  risks  (not 

exposed  to  mechanical  hazard  of 

SUCh  risks). 9078      BZ        ZD    classincation 

Composition  Goods  Mfg. — contain- 
ing celluloid — (no  celluloid  mfg. 
or  use  of  celluloid) 4450  CD  ZB  R  5 

Compressed  Food  Mfg. — tablet  form 
only  (not  available  for  division  of 
payroll) 2104  BL  Z  R  5 

{Concrete  erection  —  unit  system — 
construction  of  concrete  columns, 
beams,  roofs,  walls,  and  floors  in 
sections,  including  subsequent  erec- 
tion and  placing  of  same 5200  DZ  ZP  R  5 

Concrete  Block  Mfg 4034    CA     ZF      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(75A) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

{Concrete    Mixers     (mechanical) — 

operation  of — (not    available   for 

division  of  payroll) 5205    DM     ZM     R      5 

{Concrete  Work — bridge  building — 

payroll  to  include  those  engaged  in 

making,  setting  up,  and   taking 

down      frames,     scaffolds,     false 

work    and    concrete    distributing 

apparatus  (no  blasting) 5203    DP     ZL      R      S 

{Concrete  Work— buildings  (not  grain 
elevators),  concrete  construction, 
without  reinforcement,  either 
monolithic  in  form  or  by  means  of 
blocks,  in  which  floors,  beams  and 
horizontal  bearing  surfaces  are  not 
of  reinforced  or  self-bearing  con- 
crete. Payroll  to  include  those 
engaged  in  making,  setting  up,  and 
taking  down  frames,  scaffolds, 
false  work  and  concrete  distribu- 
ting apparatus  (no  blasting) 5208  DK  ZM  R  5 

t  Concrete  Work — buildings  (not  grain 

elevators),  reinforced  concrete  con- 
struction, with  self-bearing  floors 

or   other   horizontal    surfaces    or 

parts,  constructed   by  means   of 

reinforced    concrete.    Payroll    to 

include  those  engaged  in  making, 

setting     up,    and    taking     down 

frames,  scaffolds,  false  work  and 

concrete    distributing    apparatus 

(no  blasting) 52Q4  DM  ZM  R  5 

{Concrete  Work — dams.  Payroll  to 

include  those  engaged  in  making, 

setting    up,    and     taking    down 

frames,  scaffolds,  false  work  and 

concrete    distributing    apparatus 

(no  blasting) 52Q7  DM  ZJ  R  5 

{  Concrete  Work — floors  or  pavements 

of  artificial  stone  or  concrete,  not 

reinforced  or  self-bearing 5502     C6      ZL      R       5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(76) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

{Concrete  Work  —  foundations  for 
buildings.  Payroll  to  include  those 
engaged  in  making,  setting  up,  and 
talcing  down  frames,  scaffolds, 
false  work  and  concrete  distribu- 
ting apparatus,  excluding  all  work 
in  tunnels,  subways,  or  caissons 
for  which  use  proper  classifica- 
tions and  rates 5299  DB  ZM  R  5 

{Concrete  Work — grain  elevators. 
Payroll  to  include  those  engaged  in 
making,  setting  up,  and  takingdown 
frames,  scaffolds,  false  work  and 
concrete  distributing  apparatus. ..  5206  DM  ZM  R  5 

{Concrete  Work —  piers,  or  abutments 
for  bridges  (not  concrete  bridges), 
retaining  walls,  water  conduits  (no 
tunneling)  and  other  structures  (no 
buildings,  bridges,  or  dams).  Pay- 
roll to  include  those  engaged  in 
making,  setting  up,  and  taking 
down  frames,  scaffolds,  false  work 
and  concrete  distributing  appara- 
tus, excluding  all  work  in  tunnels, 
subways  or  caissons,  for  which  use 
proper  classifications  and  rates. ..  5210  DB  ZL  R  5 

Condensed  Milk  Mfg.  (no  can  mfg).    2062     BY      ZA     R      5 

{  Conduits — placing  electrical  cable 
or  wire  therein — no  conduit  con- 
struction   7536  GH  ZJ  R  4 

{Conduits  for  electric  wires — con- 
struction work  (no  blasting) 6325  CS  ZL  R  5 

Confectioners'    Machinery  Mfg —     3559     BQ       ZA     R      5 

Confectionery  Mfg 2041     BM      ZA     R      5 

Contractors— building  private  resi- 
dences, flats  or  apartments,  with 
or  without  stores,  one-story  stores 
and  stores  with  offices  above,  pri- 
vate stables  and  private  gara- 
ges, and  buildings  not  mercantile 
or  factory,  all  not  exceeding 
three  stories  and  basement  in 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(77) 


Reprinted  Payc — August  28,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

height,  including  jobbing  work 
connected  therewith  (no  blasting) 
excluding  the  erection  of  churches, 
theatres,  railroad  stations,  round 
houses,  court  houses,  city  halls  and 

capitol  buildings 

{Masonry  or  Concrete  Work 5642     CQ      ZL      R      5 

{Carpentry    Work    including    in- 
terior trim  and  cabinet  work.  . .     5643     CJ      ZJ      R      5 
{Cellar  Excavating ' 5644    CQ      ZL      R      5 

Any  other  operations  incident  to  the 
construction  of  the  class  of  buildings 

(described  under  the  foregoing  classi- 
fication, such  as  structural  iron  work, 
painting,  plumbing,  roofing  and  plaster- 
ing, must  take  the  regular  Manual  rate 
for  such  operations. 

Contractors — General. 

Where  all  work  is  sub-contract- 
ed, or  where  contractor  performs 
work    involving    more  than    one 
manual  classification: 
{For  watchmen,  timekeepers  and 

cleaners  only 5604    CZ      ZL      R      5  i 

{For  superintendents  only  5605     CM     ZL      R      5   i 

{For  officers,  superintendents  and 
other  employees  supervising  the 
entire  work 5606  CM  ZL  R  5  i 

{Conveyors — coal  and  ash — instal- 
lation inside  of  buildings  (in  con- 
nection with  power  and  manufac- 
turing plants) 3721)  CQ  ZM  P  5 

{Conveyors  and  Hoisting  Apparatus 
— coal,  ash  and  ore — (erection 
outside  of  buildings) 3701  DY  ZQ  P  5 

Cooperage  Stock  Mfg.— heads,  hoops 
and  staves 2741  DD  ZC  R  5 

Cooperage  —  making  heads,  hoops 
and  staves,  including  assembling. .  2742  CY  ZA  R  5 

Cooperage — not  making  heads,  hoops 
and  staves,  assembling  only 2745  CR  ZA  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(78) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Cop  Tube  Mfg 3517    BA      ZA     R      5 

Copper  Goods  Mfg 3312    GB      ZA     R      5 

Copper  Refining — no  ore  reduction.     1440    CP      ZC      R      5 

Copper  Smelting 1441     CQ      ZC      R      5 

|  Coppersmithing — away  from  shop .     5111     DK     ZM     R      5 

tCoppersmi thing —  installing  and 
erecting  appliances,  copper  and 
other  sheet  metals,  wholly  inside 
buildings  not  in  course  of  con- 
struction .. 5105  CL  ZJ  R  5 

Coppersmithing — shop  only 3075    CD      ZC      R      5 

Cord  and  Binder  Twine  Mfg. — not 
cordage  2342  BY  ZB  R  5 

Cordage  Mfg 2340    CH      ZB     R      5 

Cork  Cutting  Works 2788    CM      ZA     R      5 

Cork  Paper  Mfg. — no  paper  manu- 
facturing   4277  BQ  ZA  R  5 

CornMills 2010    CO      ZC      R      5 

J  Cornices  and  Skylights  —  erection 
and  repair 5540  DK  ZM  R  5 

Cornices  and  Skylights—shop  only..     3072    CD      ZC     R      5 

J  Corrugated  Iron  Buildings — erect- 
ing, or  covering  buildings  already 
constructed  (no  structural  steel 
work) 5086  DH  ZM  R  5 

Corrugated  Paper  Mfg. — no  paper 
making 4284  BQ  ZA  R  5 

Corset  Mfg 2554    AQ      Z       R      5 

Cotton  Batting  Mfg.  —  from  cull 
cotton  only  (not  available  for  divi- 
sion of  payroll) 2211  CE  Z  R  5 

Cotton  Batting  Mfg. — from  cull 
cotton  and  new  rags  (not  available 
for  division  of  payroll) 221 2  CY  Z  R  5 

Cotton  Batting  Mfg. — from  cotton 
waste  and  new  rags  (not  available 
for  division  of  payroll) 2213  DH  ZA  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(79) 


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Reprinted  Page— June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto. 

Jotton  Compressing 0400    CM     ZD      R     5 

Jotton  Ginning  and  Pressing  (no 
compressing) 0401  DS  ZE  R  5 

Minimum   premium    per  gin,    Comp. 
$25.00. 

Jotton  Gin  Machinery  Mfg 3503     BR      ZB      P      5 

Jotton  Spinning  and  Weaving 2222     BO      Z        R      5 

"otton  and  Woolen  Clippings 
Dealers— new  goods  only  (including 
baling) — not  rag  and  paper  stock 
dealers 8211  CC  ZC  R  5 

Cottonseed  Oil  Mfg. — with  or  with- 
out refining 4670  DX  ZE  R  5 

Minimum  premium    per  mill.    Comp. 
$25.00. 

Cottonseed  Oil  Refining  (no  manu- 
facturing or  expressing  of  oil) 4671  CT  ZB  R  5 

Jounter,  Heel  and  Sole  Cutting....  2650  BY  ZA      R  5 

Country  Clubs 9066  BH  YD  MA/R  5 

For  Public  Liability  for  cottages 
attached  see  rule,  page  30. 

For  Public  Liability  for  gymnasium, 
$10  additional;  for  swimming  tank, 
$5  additional ;  for  bowling  alleys,  $5 
additional  per  alley. 

For  grounds  owned  or  used  charge 
50  cents  per  acre  if  policy  includes 
Public  Liability  of  club  for  games 
or  sports  conducted  thereon ;  or 
charge  25  cents  per  acre  if  policy  ex- 
cludes Public  Liability  of  club  for 
this  hazard. 

Not  available  to  parks  or  other 
grounds  where  admission  is  charged. 

Jracker  Mfg 2001  BZ  ZA  R  5 

Jrane  and  Derrick  Mfg 3528  CT  ZG  P  5 

Cranes  and  Derricks — installation.  3700  ED  ZM  P  2 

Jrayon  Mfg 2941  BA  ZA  R  5 

Jreameries  and  Dairies  not  hand- 
ling stock  or  farming  (not  avail- 
able for  division  of  payroll  when 

on  same  premises  with  farm) 2063  BV  ZB  R  5   1 

/reamery  and  Dairy  Supplies  Mfg.  4911  GH  ZB  R  5 

Crematories — operation 9650  CD  ZG  R  5 

Creosote  Mfg 4528  CH  ZB  R  5 

Crib  Work 6006  DG  ZJ  R  5 

ee  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(80) 


. 


Q  oraj 


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ID 


Classification  No.     Comp.  P  JL.  Teams*  Auto. 

(Diamond  Drilling 6200    GL      ZJ       R     5 

Disinfectant  Mfg.  —  not   otherwise 

classified 4523    CM     ZA      R     5 

Distilling 2130    CM     ZC      P     3 

[Ditch  Digging — no  sewer  or  canal 

building  or   excavation  for  water 

or  gas  mains— no  blasting 6225    CZ      ZG      R      5 

Dog  Shows — rate  as  "Horse  Shows." 

Doll   Mfg.— bisque  or  china 4056    AW     Z        R      5 

[Door,  Window  Frame,  or  Sash- 
erection  and  repair  —  metal     or 

metal  covered 5103    GT      ZJ      R      5 

Draughtsmen   (engaged    exclusively 

in  that  profession) — office    duties 

only 8811     AE      -      R      5 

t  Dredging — by  floating  dredges  (all 

operations  except  rock  drilling  and 

blasting) 6223    DB     ZJ      R     5 

Drilling  and  blasting 6231     ER      ZY      R     5 

{Dredging — excavation  by  means  of 

suction  dredges    only,    including 

loading  and  unloading 6224    CZ      ZJ      R      5 

Dress  Pattern  Mfg. — paper   only — 

including  designers,  draughtsmen, 

cutters,  and  all  clerical  force — no 

paper  making 4282    AV     Z       R     5 

This  classification  shall  not  in- 
clude publication  of  magazines  for 
which  rate  as  "Publishing.  " 

Dressmaking 2503    AQ      Z        R      5 

J  Drilling  Work  (not  diamond  drill- 
ing)— prospecting  for  ore  (no  shaft 

sinking,  no  blasting) 6203    CT      ZJ      R      5 

Drivers  and  Drivers'  Helpers— (not 

otherwise  classified) 7205     GK 

This  rate  is  not  applicable  to  those 
classifications  which  specifically  pro- 
vide   for    inclusion    of    payroll    of 
drivers  and  drivers'  helpers  at  the 
rate  for  such  classifications. 
Drop   Forging  Works  —  not   hard- 
ware—(no  steam  forging) 3104    GJ      ZB       R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(82) 


. 


pa  oras 


Classification  No.     Gimp.  P JL.  Teams'  Auto. 

t  Diamond  Drilling 6200    CL      ZJ       R     5 

Disinfectant  Mfg.  —  not   otherwise 

classified 4523    CM     ZA      R      5 

Distilling 2130    CM     ZC      P     3 

t  Ditch  Digging — no  sewer  or  canal 

building  or   excavation  for  water 

or  gas  mains — no  blasting 6225     CZ      ZG      R      5 

Dog  Shows — rate  as  "Horse  Shows." 

Doll   Mfg.— bisque  or  china 4056    AW     Z        R      5 

tDoor,  Window  Frame,  or  Sash- 
erection  and  repair  —  metal     or 

metal  covered 5103    CT      ZJ      R      5 

Draughtsmen   (engaged    exclusively 

in  that  profession) — office    duties 

only 8811     AE      —      R      5 

J  Dredging — by  floating  dredges  (all 

operations  except  rock  drilling  and 

blasting) 6223    DB     ZJ       R      5 

Drilling  and  blasting 6231     ER      ZY      R     5 

t  Dredging — excavation  by  means  of 

suction  dredges    only,    including 

loading  and  unloading 6224    CZ      ZJ      R      5 

Dress  Pattern  Mfg. — paper   only — 

including  designers,  draughtsmen, 

cutters,  and  all  clerical  force — no 

paper  making 4282    AV     Z       R     5 

This  classification  shall  not  in- 
clude publication  of  magazines  for 
which  rate  as  "  Publishing.  " 

Dressmaking 2503    AQ      Z        R      5 

J  Drilling  Work  (not  diamond  drill- 
ing)— prospecting  for  ore  (no  shaft 

sinking,  no  blasting) 6203    CT      ZJ      R      5 

Drivers  and  Drivers'  Helpers — (not 

otherwise  classified) 7205     CK     —    —    — 

This  rate  is  not  applicable  to  those 
classifications  which  specifically  pro- 
vide   for    inclusion    of    payroll    of 
drivers  and  drivers'  helpers  at  the 
rate  for  such  classifications. 
Drop   Forging  Works  —  not   hard- 
ware—(no  steam  forging) 3104    CJ      ZB       R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(82) 


WA 

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Reprinted  Page — October  23,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Drug  Mfg. — not  otherwise  classified.    4601     BF      Z        R      5 

Dry  Battery   Mfg 3642     BZ     ZA      R      5 

t  Dry  Docks  —  construction  (no 
blasting) 6008  06  ZJ  R  5 

JDry  Docks— (floating)  construction.     6802     DH      ZJ       R      5 

Dry  Docks — operating  docks  and 
repairing  vessels  only,  including 
shipwright  work  (no  construction 
of  docks) 6860  DR  ZG  R  5 

Duck  Cloth  Mfg 2240    BW    Z       R     5 

Dwellings  occupied  by  not  more  than 
two  families  (for  rate  see  page  36). 
This    classification  does   not  include 
dwellings  located  in  buildings  occupied 
partly  for  office,   mercantile  or  manu- 
facturing purposes. 

One  apartment  in  an  apartment 
house  (tenant's  risk  only)  (for 
rate,  see  page  36). 

Dwellings  of  every  description 
when  occupied  by  three  or  more 
families,  and  buildings  occupied 
partly  for  residence  purposes  by 
one  or  more  families  and  partly  for 
store,  office  or  mercantile  purposes: 
All  employees  engaged  in  care, 
custody  and  maintenance  of 
premises,  including  elevator  attend- 
ants, excluding  extraordinary  ad- 
ditions, alterations  or  repairs 9003  BY  YE  R  5 

Dyeing  and  Cleaning 2583     CR      ZC      R      4  1 

Dyeing  of  Textiles — new  goods  (not 
"Dyeing  and  Cleaning") 241 3  BT  ZA  R  5 

Earthenware  Mfg. — household  uten- 
sils and  art  objects 4052  AZ  Z  R  5 

Earthenware  Mfg. — tiling,  gas  re- 
torts, sewer  pipe  and  drain  pipe, 
(including  underground  mining).  4013  GP  ZC  R  5 

Earthenware  Mfg. — tiling,  gas  re- 
torts, sewer  pipe,  and  drain  pipe 
(no  underground  mining) 4030  CD  ZC  R  5 

Electric  Apparatus  Mfg 3643     BR      ZA      R      5 

Electric  Cutting  and  Welding — 
including  shop 5083  DK  ZP  R  5 

Electric  and  Gas  Fixtures  Mfg 31 80    BL      ZA      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(83) 


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Classification  No.     Comp.  P.L.  Teams*  Auto. 

J  Electric  Light  and  Power  line  con- 
struction work  exclusively  —  on 
transmission  lines  not  intended  for 
local  distribution 7530  DE  ZP  MA/R  4/1 

{Electric  Light  and  Power  line  con- 
struction work—excluding  trans- 
mission lines  not  intended  for  local 
distribution  (not  available  for  di- 
vision of  payroll) 7534  DE  ZU  MA/R  4/1 

{Electric  Light  and  Power  Companies- 
operation,  maintenance,  extension 
of  lines,  and  making  of  service 
connections  (see  notes  below.)  . . .  7531  DE  ZW  MA/R  4/1 

Public  Liability  minimum  premium. 
$100.00. 

{Electric  Light  and  Power  Companies- 
operation,  maintenance,  and  ex- 
tension of  transmission  lines  (notf  or 
local  distribution)  (see  notes  below)  7532  DE  (a)  MA/R  4/1 

Public  Liability  minimum  premium, 
$100.00. 

The  two  preceding  classifications  re- 
quire that  all  payroll  including  that 
expended  for  line  construction  shall  be 
subject  to  the  rate  of  the  classification, 
unless  the  assured  maintains  an  en- 
tirely  separate  department  for  instal- 
ling electrical  equipment  which  is 
operated  by  a  separate  set  of  em- 
ployees who  are  at  no  time  engaged  in 
connection  with  the  operation  of  the 
power  plant  in  any  capacity.  In  such 
cases  the  payroll  of  such  employees 
shall  be  separately  stated  at  the 
Manual  rates  for  the  kind  of  instal- 
lation work  performed. 

Under  no  circumstances  shall  this 
rule  be  interpreted  to  mean  that  the 
payroll  of  the  linemen  may  take  any 
rate  other  than  the  operative  rate  of 
the  plant 
Manufacturing  or  mercantile  plants 

engaged  in  generating  electricity 

and  supplying  the  same  or  any 

part  thereof  to  other  plants  or 

buildings 7537 

If    manufacturing    or    mercantile 
plants,  insured  at  the  manufactur- 
ing or  mercantile    rates    applicable 
See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(84) 


Reprinted  Page — September  25,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto. 

thereto,  are  engaged  in  the  generat- 
ing of  electricity  and  supplying  the 

same  or  any  part  thereof  to  other 

plants  or  buildings,  the  manufactur- 
ing or  mercantile  rate  applicable  to 

the  plant  or  location  covered  shall 

be  applied    to    all    payroll  in  that 

plant  including  the  payroll  engaged 

in   the    generation   and   distribution 

of  the  electric  current,  and,  in  addi- 
tion thereto,  there  shall  be  charged 

as  an  extra  rate  upon  that  portion 

of  the  payroll  actually  engaged  in 

the   generation   and   distribution   of 

the    electric    current,    including   the 

maintenance    of    the   equipment,   a 

rate  equal  to  50%  of  the  rates  for 

the     two     preceding     classifications ; 

Public  Liability  minimum  premium,  $3. 

This  rule  shall  not  apply  to  public 

service  or  public  utilities  plants,  nor 

to  any  plant  having  for  its  sole  or 

principal    purpose     the     generation 

and  distribution  of  electric  current, 
t  Electrical  Apparatus — erection  and 
repair  work  only,  including  the 
making  of  service  connections  and 
the  installation  of  equipment  in 
power  plants,  excluding  erection  of 

poles  and  stringing  wires 7535     CH      ZJ       R      5 

J  Electrical  Equipment  —  installation 
and  repairs  within  buildings  and  on 
buildings  incidental  to  such  inside 
work  —  including  the  making  of 
service  connections  for  such  work, 
excluding  the  installation  of  equip- 
ment in  power  plants 5190  BX  ZG  R  5 

Electroplating 3372    BR     ZA       R     5 

Electrotyping 4350    AX     ZA      R      5   * 

t  Elevator  erection  —  passenger  or 

freight 5160    CQ     ZO      R     5 

Elevator  Inspecting 8730    GZ      ZJ       R      5 

Elevator  Mfg 3042    CE     ZB      R     5 

J  Elevators — repairs  only — passenger 

or  freight 5161     GE     ZJ       R     5 

Embroidery   Mfg 2388    AW    Z        R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(85) 


Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Emery  or  other  Abrasive  Wheel  Mfg.     1748     GH      ZC      R      5 

Emery  Cloth  Mfg 1857     8V      ZA      R      5 

Emery  Works  —  crushing  and 
grinding  (no  quarrying) 1 741  CH  ZC  R  5 

Enamel    and    Agate  Ware   Mfg...     3224    GV      ZB      R      5 

Enamelling — no  metal  working  (not 
available  for  division  of  payroll). .  3376  CD  ZB  R  5 

Engine  Mfg.  —  no  foundry  —  not 
otherwise  classified 3608  GB  ZB  P  5 

Engine  Mfg. — with  foundry — not 
otherwise  classified 3607  GE  ZB  P  5 

}  Engines  —  installation.  Payroll  for 
"Comp."  coverage  to  include  driv- 
ers and  drivers'  helpers,  also  chauf- 
feurs and  chauffeurs'  helpers 3727  GQ  ZJ  P  5 

Engraving — not  otherwise  classified    4352    AX      ZA      B      5   ^ 

Envelope  Mfg 4252    BL     Z        B     5 

Escalator  Mfg 3042    CE     ZB      R     5 

Essential  Oils  Mfg. — including  dis- 
tillation   4620  BR  Z  R  S 

t  Excavation — bridge  foundations,  re- 
taining walls,  and  bases  of  dams — 
no  caisson  work  or  cellar  excava- 
tion, (no  blasting) 6221  DQ  ZM  R  5 

Excavation — cellar  (rate  as  "Cellar 
Excavation") . 

Excelsior  Mfg 2712    DD     ZC      R     5 

Exhibitions — not  otherwise  classified: 
Employees  engaged  in  care,  cus- 
tody and  maintenance  of  premises, 
including  elevator  attendants,  ex- 
cluding extraordinary  additions, 

alterations  or  repairs 9102     BY      (b)     R      5 

Employees  engaged  in  care, 
operation  and  maintenance  of  mer- 
ry-go-rounds, swings,  roller-coast- 
ers and  other  amusement  devices. 
Must  include  all  employees  con- 
nected with  such  amusement  de- 
vices, including  ticket  sellers  and 
ticket  collectors 9180  DY  (a)  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(86) 


Classification  No.     Comp.  P.L.  Teams*  Auto. 

Express  Companies — urban  or  subur- 
ban—including the  hazard  of  rail- 
road transportation.  Payroll  for 
"Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs'  helpers  7361  CK  ZJ  MB  1 

The  Public  Liability  is  restricted 
to  places  where  the  goods  are  re- 
ceived only,  excluding  accidents  by 
railroads,  horses  and  vehicles. 

Extract  Mfg.— dyewood 4624    CM     ZB      R      5 

Extract  Mfg.— tanning 4625    CM     ZB      R     5 

Eyeglass  and  Spectacle  Mfg 41 52    BF     Z        R     5 

Eyelet  Mfg 3270    BE     ZA      R     5 

Factory  Cost  Systematizers 8722    BX      ZC      SB    5 

Farm  Labor — (no  blasting)  (seepages 

33-38). 
JFarm  Machinery — erection,  repair, 

and  demonstration  (away  from  shop)  0051     DC      ZJ      P      2 

Feather  and  Flower  Mfg.— artificial.  2534     AV     Z        R      5 

Feather  Pillow  Mfg 2572    BA     Z        R      5 

Felting  Mfg 2288    CM     Z       R     5 

J  Fence  Construction — wood,  stone, 

metal,  or  concrete 6400    CM     ZJ      R     5 

Fertilizer  Mfg. — not  phosphate  com- 
panies   4580  DD  ZD  R  5 

Fibre  Goods  Mfg.— no  fibre  pulp mfg.  4263    CR      ZA      R      5 

Fibre  Pulp  Mfg 4267    CH      ZA      R     5 

Fiberloid  Mfg 4441    DV     ZD      R      5 

File  Mfg 3117    BO     ZA      R     5 

Film    Exchanges — (rate  as  "Motion 

Pictures") 4362 

Finishing  of  Textiles — new  goods  (not 

available  for  division  of  payroll)  241 3     BT      ZA      R      5 
|Fire  Alarms  Systems— municipal — 

construction 7602    CV      ZQ     R     5 

Fire  Brick   Mfg.    (rate   as   "Brick 

Mfg.") 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(87) 


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Reprinted  Page — October  2,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Fire  Clay  Products  Mfg.— not  other- 
wise classified  (no  underground 
mining — no  fire  brick  mfg.) 4028  CD  ZC  R  5 

Fire  Clay  Products  Mfg.— not  other- 
wise classified  (including  under- 
ground mining — no  fire  brick  mfg.)  401 1  CP  ZC  R  5 

Fire  Engine  Mfg 3604     CJ      ZB      R      5 

tFire  Escapes — erection  and  repair.     5081     DR      ZQ      P      5 

Fire  Patrol  and  Salvage  Corps — 
not  salvage  operations 7700  DR  (a)  KA  sPecla| 

Firemen.  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 
and  chauffeurs'  helpers 7701  DR  (a)  —  — 

Minimum  premium  for  this  classifi- 
cation to  be  $10.00  per  man,  per  annum. 

In  the  case  of  "volunteer  firemen," 

the  above  minimum  of  $10.00  shall  be  ,J 

applied  per  man  to  the  average  attend- 
ance at  fires  for  the  policy  year. 

{Fireproof  Construction — by  means 
of  wire  lathing  and  concreting,  ex- 
cluding roofs,  floors,  and  hori- 
zontal surfaces  5212  DH  ZL  R  5 

t  Fireproof  Construction — reinforced 
or  suspended  concrete  floors 5201  DM  ZM  R  5 

Fireproof  Door  and  Shutter  Mfg. 
—wood  covered  with  sheet  metal.  3060  CH  ZB  R  5 

Fireproof  Equipment  Mfg.,  includ- 
ing herring-bone,  and  expanded 
metal  products,  metal  furniture, 
filingequipment  and  wood  working.  3076  CM  ZB  R  5 

{Fireproof  Shutters — erection  and 
repair 5082  DR  ZQ  R  5 

{Fireproofing — tile  construction  and 
repair 5343  DH  ZO  R  5 

Fireworks  Mfg.— no  exhibition  work.    4761     EL     ZQ      M     5 

Fish  Curing  and  Packing  —  no 
vessel  hazard  or  ice  harvesting 
(no  can  mfg.)  (not  available  for 
division  of  payroll) 2101  CH  ZE  R  5 

Fishing  Rod  Mfg 4901     AX     Z       R      5 

Fishing  Tackle  Mfg. — not  other- 
wise classified 4900  AX  Z  R  5 

Flavoring  Extract  Mfg 4621     BR     Z       R      5 

Flax  Spinning  and  Weaving 2320    CD      ZA      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(88) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Flint  and  Spar  Grinding — no  quarry- 
ing   1742  CH  ZC  R  5 

{Floor  Surfacing  by  machines  oper- 
ated by  electricity 5346  BX  ZG  R  5 

Florists — cultivating  and  gardening.    0004    BA      ZC      R      5 

Florists  —  including  service  away 
from  store— not  cultivating  and 
gardening 8001  AL  ZE  S  4 

Flour  Dealers  (no  milling) 821 7    BX      ZC      R     5 

Flour  Mills 2011     CO     ZC      R     5 

Fly  Paper  Mfg. — no  paper  making — 
(not  available  for  division  of 
payroll) 4278  BQ  ZA  R  5 

Forging  Works 3100    CV      ZC      R      5 

Forging  Works — hand  work  only — 
no  machinery — (not  available  for 
division  of  payroll  in  the  preceding 
classification) 3106  BV  ZB  R  5 

Forwarding,  Agents — packing,  hand- 
ling and  shipping  merchandise  on 
docks  or  railroad  platforms — no 
stevedore  work  (not  available  for 
division  of  payroll.) 7360  GK  Zl  OA  3 

FOUNDRIES: 

Aluminum 3087  CB  ZB  R  5 

Bell 3084  CB  ZB  R  5 

Brass 3085  66  ZB  R  5 

Iron 3081  CE  ZB  R  5 

Malleable  Iron 3086  CJ  ZB  R  5 

Steel  Castings 3082  CV  ZB  R  5 

Not  otherwise  classified 3083  CE  ZB  R  5 

Fountain  Pen  Mfg 4432  B6  Z  R  5 

Freight  Handlers  —  not  otherwise 
classified  (not  loading  or  unloading 

vessels— not    railroad    employees  7363  CK  Zl  OA  3 

Fringe  and  Braid  Mfg. 2387  BA  Z  R  5 

Fruit    Evaporating — excluding  box 

mfg 2102  BL  ZA  R  5 

Fruit  Packing— (no  canning)  no  evap- 
orating or  preserving,  excluding 

box  mfg 2105  BF  ZA  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(89) 


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Reprinted  Page — June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Fruit  Preserving—  (not  canneries) ..     2116     BX     ZA      R      5 

FUEL  AND  MATERIAL  DEALERS: 

When  the  risk  involves  handling 
of  and  dealing  in  any  combina- 
tion of  the  following  products, 
but  no  others,  viz  : 
•Goal, 
Ice, 
Kindling  or  Fire  Wood 8224    CQ     ZS      Q     3 

When  the  risk  involves  handling 
of  and  dealing  in  any  combina- 
tion of  the  following  products 
and  any  others,  viz: 

"Coal, 

Kindling  or  Fire  Wood, 
Lumber, 

Building  Materials, 
Hay,  Grain  and  Feed 8225    CJ      ZH      Q     3 

*If  the  handling  of  coal  involves 
stevedoring  operations  performed  by 
the  assured  by  means  of  power  ma- 
chinery or  the  use  of  power  machinery 
either  for  loading  or  unloading  or  spot- 
ting of  cars,  these  classifications  are 
not  available  and  the  risk  should  be 
rated  as  "Coal  Merchants." 

When  the  risk  involves  handling  of 
and  dealing  in  any  combination 
of  the  following  products,  but 
no  others,  viz: 
Building  Materials, 
Lumber, 

Hay,  Grain  and  Feed, 
Agricultural  Implements, 
Grain  Elevator, 
Seed. 8226    CE     ZH      R     5 

Payroll   for   "Comp."  coverage   in 

each    of     the     above     classifications 

(8224-8225-8226)   must  include  drivers  ^ 

and  drivers'  helpers,   also  chauffeurs 

and  chauffeurs'  helpers. 
Exception — Where  the  combination 
consists  of  Agricultural  Imple- 
ment Dealers  and  Seed  Mer- 
chants only,rate  as  "Agricultural 
Implement  Dealers." 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(90) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

{Fumigation  of  Buildings 9210     CC     ZJ       R      5 

Fur  Goods  Mfg. -not  preparing  skins.    2502    AQ      ZA      R      5 

Fur  Mfg. — preparing  skins 2600    GO     ZA      R      5 

Furnace  Mfg.— house   heaters 3173    BY     ZA      R      5 

J  Furnaces  (heaters  or  stoves) — in- 
stallation   5181  CD  Z6  R  5 

Furnishing  Goods  Mfg.  —  wearing 
apparel,  not  otherwise  classified 
(not  available  for  division  of 
payroll) 2553  AQ  Z  R  5 

This  classification  is  available  only  in 
case  no  manual  classification  or  classifi- 
cations specifically  describe  the  risk, 
or  if  more  than  one  classification,  and 
payroll  division  in  accordance  with  the 
rules  in  respect  thereto  is  not  possible. 

FURNITURE  MANUFACTURING: 

Furniture  Stock  Mfg.— no  assem- 
bling   2735  GQ  ZB  R  5 

Furniture  Mfg. — including  assem- 
bling of  manufactured  parts  and 
finishing...  2883  GB  ZA  R  5 

Furniture  Mfg. — assembling  of 
manufactured  parts  and  finish- 
ing only  (not  available  for  divi- 
sion of  payroll  when  located  on 
same  or  ad  joining  premises  where 
other  furniture  mfg.  operations 
are  carried  on) 2881  BM  ZA  R  5 

Furniture  Mfg.— upholstering 9523    fiF      ZA      R      5 

Furniture  Mfg.— metal 3077    CM     ZB      R     5 

Fuse  Mfg 4760    EL     ZQ      M    5 

t  Galvanized   Iron  and   Sheet  Iron 

Work — erection   and    repair  (no 

tank  erection) 5541     DK     ZM     R      5 

t  Galvanized  Iron  Tanks(complete)— 

installation  of,  for  Irrigation  or  for 

agricultural  purposes — with  earth 

or  masonry  foundations;  no  tank 

building 3735    DE      ZJ     P     2 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(91) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Galvanized  Iron  Work]  (shop) 3066     CD      ZG      R      5 

Galvanizing  or  Tinning  Sheet 
Metal — (not  manufacturing  sheet 
metal  or  metal  goods)  (not  avail- 
able for  division  of  payroll) 3373  GH  ZB  R  5 

Garages  (rate  as  "Automobile 
Dealers"). 

Garbage  Collecting  —  refuse  and 
ashes  (excluding  garbage  reduction 
or  fertilizer  plants).  Payroll  for 
"Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs' helpers.  9403  GK  Z6  R  5 

Garbage  Works — (reduction  or  incin- 
eration of  garbage  or  offal) 7590  DO  ZD  R  5 

Gas  and  Electric  Fixture  Mfg 3180    BL     ZA      R      5 

JGas  Benches  and  Retorts — installa- 
tion of  (not  available  for  division 
of  payroll).  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 
and  chauffeurs'  helpers 5026  GQ  ZJ  P  2 

Gas  Engine  Ignition  Apparatus  Mfg. 
(not  available  for  division  of  pay- 
roll)   3644  BR  ZA  R  5 

Gas  or  Gasoline  Engine  Mfg. — with 
foundry 3605  CE  ZB  R  5 

Gas  or  Gasoline  Engine  Mfg.— with- 
out foundry 3606  CB  ZB  R  5 

Gas  Holder  Mfg 3622    CT     ZC      P     5 

JGas  Holders— metal— erecting 5047    EG      ZQ      P      5 

Gas  Machine  Mfg.— acetylene 3522    CM     ZB      R      5 

JGas  Machines,  acetylene — installa- 
tion    3722  GQ  ZJ  R  5 

Gas  Meter  Mfg 3578    BW     ZA      R     5 

J  Gas,  Steam,  and  Hot  Water  Appara- 
tus Fitting — including  installation 
of  ventilating  plants  (shop  and 
outside).  Must  include  shop  pay- 
roll if  any 5182  CD  Z6  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(92) 


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Reprinted  Page — August  28 ',  19 1C. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Gas,  Steam  and  Hot  Water  Appa- 
ratus Supplies  Dealers — no  mfg. 
(shop  only) 8112  BY  ZB  R  5 

This  classification  is  not  applicable  to 
concerns  engaged  in  the  manufacture 
of  Gas,  Steam  or  Hot  Water  Appa- 
ratus. 

Gas  Works — including  operation  of 
gas  house,  maintenance  of  existing 
works  and  mains,  making  of  house 
connections  and  installation,  in- 
spection and  repair  of  equipment 

on  consumer's  premises 7500     CJ      ZP  P/R  4/1 

Rates  include  gas  explosion,  in- 
halation or  asphyxiation.  If  these 
hazards  are  excluded  from  Public 
Liability  policy,  P.  L.  rate ZM 

JGas  Works — laying  of  mains  and 
connections  (no  tunneling  or 
blasting) 6324  CZ  ZP  P  4/1 

Gasoline  Mfg. — from  casing  head  gas    4743    DV     ZQ      R      3 

Gasoline  and  Oil  Supply  Stations- 
operation  (for  supplying  auto- 
mobiles and  motor  boats) 8390  GG  ZQ  QB  5 

Minimum  premium  per  location,  Comp. 
$10.00,  Public,  $15.00. 

Gear  Grinding  and  Mfg 3635  BX  ZA  R  5 

Gelatine  Mfg 4654  GG  ZA  R  5 

Gilding  and  Electroplating. 3372  BR  ZA  R  5 

Glass  Eye  Mfg 4153  AW  ZA  R  5 

Glass  Mfg.— cut 4113  BG  ZA  R  5 

Glass  Mfg — no  plate  or  sheet  glass 

mfg 4110  BG  ZA  R  5 

Glass  Mfg,  (plate) — no  quarrying  or 

excavating 4101  CH  ZB  RG  5 

Glass  Mfg.  —  sheet  (not  plate)  - 

no  quarrying  or  encavating 4102  BL       ZA  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(03) 


Iff* 


Classification  No.     Comp.  P.L.  Teams*  Auto. 

Glass  Merchants— including  opera- 
tions of  bending,  grinding,  bevel- 
ling and  silvering  plate  glass 4130  BL  ZF  RG  5 

Glass  Sign  Mfg.— no  glass  making...     4132    BL      ZA      R     5 

} Glaziers,  (away  from  shop) 5462    CZ      ZJ      RC    5 

Glove  Mfg.— leather 2670    AX     Z        R     5 

Gloveand Mitten  Mfg.— (cloth)sewed     2561    AQ      Z        R     5 
Glove    and    Mitten    Mfg.  —  (silk, 

woolen  or  thread)  knit 2552    AQ      Z       R     5 

Glucose  Mfg.— dry  process 4705    DJ      ZD      R     5 

Glucose  Mfg.— wet  process 4702    CV     ZC      R     5 

Glue  Mfg 4653    CC      ZA      R     5 

Glycerine  Mfg 4711     CA      ZA      R     5 

Gold  Leaf  Mfg 3386    BA      ZA      R     5 

Gold   Plating 3372    BR     ZA      R     5 

Gold  Refining— no  ore  reduction —     1412    CC      ZC      R     5 

Gold  Smelting 1400    D6      ZC      R     5 

Golf  Clubs  Mfg 2950    BY      ZA     R     5 

Golfers 9670    —     (b)  —    — 

t  Grading  Land — no  canal  or  cellar 
excavation,  excluding  railroad  con- 
struction and  road  or  street  mak- 
ing, no  quarrying  or  blasting.  Pay- 
roll for  "Comp"  coverage  to  in- 
clude drivers  and  drivers'  helpers, 
also  chauffeurs  and  chauffeurs' 

helpers 6041     CM     ZL      R     5 

Grain  Elevators— (floating)  operation 

only 8300    DC     ZH      R     5 

Grain  Elevators — (line  or  terminal) 

—operation 8301     CO      ZG      R     4 

Graphite  Mfg. — not    mfg.   artificial 

graphite 1750    CH     ZA      R     5 

Graphite  and  Pure  Carbon  Mfg. — 

artificial  1462    CP     ZC      R     5 

{Gravity  Chutes— erection 5145    DE     ZM      P     5 

Grease  Mfg 4712    CA     ZA      R     5 

Grindstone    Mfg.— no  quarrying. ..     1781     CJ      ZC      R      5 
Grist  Mills 2012    CO     ZC      R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(94) 


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Classification  No.     Comp.  P.L.  Teams' Auto. 

Gun,    Rifle    and  Pistol   Mfg.  (not 

charging  shells) 3200  BL  ZA  R  5 

Gutta-Percha  Mfg 4425  06  ZA  R  5 

Hairdressing  (for  women) 9583  AW  YF  R  5 

Public  Liability  excludes  injuries  to 
customers  due  to  the  rendering  of  any 
professional  services,  or  the  omission 
thereof,  by  any  attendant. 

Hair  Cloth  Mfg 2284    BG     ZA     R     5 

Hair  Goods  Mfg 2536    BJ      ZA     R     5 

Halls — (not  otherwise  classified). 

All  employees  engaged  in  care, 
custody  and  maintenance  of  prem- 
ises, including  elevator  attendants, 
excluding  extraordinary  additions, 
alterations  or  repairs. 
When  alcoholic  liquors  are  served 

on  the  premises 9110    BY     YH      R     5 

When  no  alcoholic  liquors  are 

served  on  the  premises 9103    BY     YF      R     5 

Handkerchief  Mfg.— no  weaving...     2555    AQ     Z       R     5 
Hardware  Mfg. — automobile  or  car- 
riage     3153    GJ     ZB      R     5 

Hardware    Mfg.  —  (not    otherwise 

classified) 3146    BS     ZA      R     5 

Harness  and  Saddle  Mfg 2681     BL     ZA      R     5 

Hat  Block  Mfg 2782    DD     ZA      R     5 

Hat  Mfg.— not  straw  or  cloth 2530    AV     Z       R     5 

Hat   Mfg.-straw 2531    AV     Z       R     5 

Hatters  Fur  Mfg. — (not  available  for 

division  of  payroll) 2280    B6     ZA      R     5 

Hay  Baling 0070    CM     ZD      R     5 

Hay,  Straw  and  Feed  Dealers 821 5    BX     ZE      Q     4 

Hemp  Spinning  and  Weaving 2348    CD     ZA      R     5 

|Hod  Hoists — installation,  operation, 
and  removal  of  hod  elevators  and 

construction   hoists 5163    DH  R      5 

*The  P.L.  rate  is  50  cents  per  day 
of  time  per  hoist,  from  the  date  the 
installation  is  started  until  the  hod 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(95) 


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Reprinted  Page — October  30,  1916. 

Classification  No.     Comp.  P.L.  Teams'  Auto, 

elevator  or  hoist  is  completely  taken 
down.  Public  Liability  to  be  writ- 
ten on  an  elevator  form,  suitably 
amended  to  exclude  accidents  to  em- 
ployees with  a  provision  that  the 
policy  shall  cover  hoists  only  upon 
notice  from  the  assured  that  such 
hoists  are  to  be  or  are  being  in- 
stalled. A  blanket  policy  may  be  is- 
sued requiring  that  all  hod  hoists 
used  by  the  assured  be  covered  dur- 
ing the  time  that  the  policy  is  in 
force;  the  assured  to  notify  the  com- 
pany every  seven  days  of  installa- 
tions and  removals.  Any  hoist  may 
be  cancelled  from  the  policy  upon 
notice  from  the  assured  of  its  re- 
moval and  pro  rata  return  premium, 
if  any,  may  be  allowed  on  the  unex- 
pired  period  on  that  hoist. 

Hominy  Mills 2013    CO      ZC      R      5 

Hone  and  Oil  Stone  Mfg 1783    GJ      ZC      R      5 

Hop  Picking— hand 0151     BV     ZD      R      5 

Hop  Picking— machinery 01 50    CC      ZD      R      5 

Horse  Blanket  Mfg 2287     B6     ZA      R      5 

Horse  Shoe   Mfg 3147    BY     ZA      R     5 

Horse  Shows — in  halls,  theatres  or 
auditoriums  exclusively: 
All  employees  engaged  in  care, 
custody  and  maintenance  of  prem- 
ises, including  elevator  attendants, 
excluding  extraordinary  additions, 

alterations  or  repairs 9102     BY     (b)   —    — 

Stablemen 7200    GK     (b) 

Clerical  Office  Employees 8810    AE     (b)  — 

Horn    Goods  Mfg.  from  horn  plate 

(not  containing  pyroxylin) 4485    CD      ZA      R      5   i 

HornPlateMfg 4486    CM     ZA      R     5   i 

Hose  Mfg.— cotton . 2242    BW    ZA      R      5 

Hosiery  Mfg. — (not  otherwise  class- 
ified)   2360  BJ  Z  R  5 

Hosiery  Mfg. — from  cop  yarn — no 
yarn  mfg.  (not  available  ior  divi- 
sion of  payroll) 2361  BF  Z  R  5 

Hosiery  Mfg.   (silk) 2364    BF     Z        R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(96) 


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Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

Hospitals : 

Clerical  Office  Employees 8810    AE     YD    LA/R  5 

Professional  Employees 8830    AS      YD     LA/R  5 

All  other  employees  except  drivers 
and  drivers'  helpers,  chauffeurs 
and  chauffeurs'  helpers  and  em- 
ployees in  power  laundries 8040  BH  YD  LA/3  5 

Laundries  in  connection  with  hospi- 
tals, operating  no  machinery  —  doing 
hand  work  exclusively,  to  be  covered 
at  the  rate  for  "All  other  employees," 
etc. 

Power  laundries  to  be  classified  se- 
parately as  '  'Laundries — not  otherwise 
classified." 

Public  Liability  excludes  injuries 
to  patients  due  to  the  rendering  of 
any  professional  services,  or  the 
omission  thereof,  by  any  doctor, 
nurse  or  other  attendant. 

For  Public  Liability  for  cottages 
attached  to  hospitals,  see  rule,  page  30. 

Hospitals— veterinary 8831     GX      ZQ       R      5 

Hot  House  Mfg.— shop  only 2805    CM     ZB       R     5 

{Hot  House— erection 5402     GZ     ZJ       R     5 

Hotels— excluding  power  laundry. ..     9050     BH     YE    MA/R  2 

Laundries  in  connection  with  hotels 
operating  no  machinery — doing  hand 
work  exclusively,  to  be  covered  under 
the  governing  classification.  Power 
laundries  to  be  classified  separately  as 
"  Laundries— not  otherwise  classified. " 

Hotels  which  operate  in  connection 
therewith,  cottages,  gymnasium  or 
grounds  for  recreation  or  sports  shall 
be  classified  as  "  Country  Clubs." 

t  House   Furnishings  (not  otherwise 
classified)— installation 9521     BF     Z6      B      4 

ICE  MANUFACTURING: 

Ice  Mfg. — excluding  drivers  and 
drivers'  helpers,    chauffeurs   and 

chauffeurs'  helpers 21 50    DD      ZG      NA  2/4 

Drivers  and  drivers' helpers 7216     GT     ZG      NA  2/4 

Chauffeurs  and  chauffeurs' helpers     7389     GT      ZG       —  2/4 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(97) 


• 


Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto, 

ICE  HARVESTING,   STORING  AND 
DEALING: 

Ice  Harvesting  and  Storing  only. 

Payroll  for  "Comp."  coverage  to 

include  drivers  and  drivers'  helpers, 

also    chauffeurs    and    chauffeurs' 

helpers 9630     DH     ZE      NA  2/4 

Ice  Dealers — including  the  tak- 
ing of  ice  from  storage,  excluding 

harvesting    and  storing.    Payroll 

for  "Comp."  coverage  to  include 

drivers  and  drivers'  helpers,  also 

chauffeurs  and  chauffeurs' helpers.     8203     CT     ZG      NA  2/4 

Ice  Cream  Freezer  Mfg 2842    CM     ZB      R      5 

Ice  Cream  Mfg 2040    CE     ZD      HA    4 

Ignition    Apparatus    Mfg.  for   gas 

engines — (not  available  for  division 

of  payroll) 3644    BR     ZA      R      5 


See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(97A) 


Reprinted  Page— September  25,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Incandescent  Gas  Mantle  Mfg 2390    BF     ZA      R      5 

Incandescent  Lamp  Mfg 41 1 2    BF     ZB      R      5 

Incubator  Mfg 2886    CB     ZB      R      5 

Indurated  Fibre  Mfg.  (rate  as  "Paper 
and  Pulp  Mfg."). 

Ink  Mfg.— printing 4557    CM     ZA      R      5 

Ink  Mfg.— writing 4594    BF     ZA      R      5   i 

Inspection  of  mercantile,  manufac- 
turing and  marine  risks  for  in- 
surance and  valuation  purposes  . .  8720  BX  ZG  SB  5 

Inspectors — grain  or  fruit  at  railroad 
or  steamship  terminals 8733  CC  ZB  R  5 

Instrument  Mfg. — professional  or 
scientific 3685  BF  ZA  R  5 

Insulators  Mfg. — porcelain  and  lava 
tips 4058  BL  ZA  R  5 

Iron  Smelting 1422    DO     ZC      R      5 

Jlron  Work — erecting  and  repairing 
balconies,  fire-escapes,  railings, 
staircases,  coal  chutes,  fireproof 
shutters,  (outside  of  buildings). 
Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  helpers, 
also  chauffeurs  and  chauffeurs' 
helpers 5081  DR  ZQ  P  2 

J  Iron  Work — erecting  steel  and  iron 
frame  structures  (no  bridge  build- 
ing). Payroll  for  "Comp."  cover- 
age to  include  drivers  and  drivers' 
helpers,  also  chauffeurs  and  chauf- 
feurs'helpers 5040  E6  ZT  P  2 

I  Iron  Work — placing  iron  and  steel 
store  fronts  as  alterations  of  exist- 
ing buildings.  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 
and  chauffeurs'  helpers 5045  DZ  ZQ  P  2 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(98) 


Reprinted  Page — August  28,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

I  Iron  Work — (ornamental) — erection 
within  buildings 5100  GZ  ZJ  P  2 

{Iron  and  Steel  Lock  Gates — con- 
struction and  installation *  5061  EC  ZO  P  2 

Iron  and  Steel  Works — shop  (rate  as 
"Steel  Works"). 

Irrigation  Works — operation  and 
maintenance,  including  ordinary 
extension  of  laterals 0250  GQ  ZJ  P  5 

Isinglass  Mfg.— fish  glue 4652    GG      ZA     R      5 

Isinglass   Mfg.— mica 1854    GA      ZA      R      5 

Ivory  Turning 4481     CG      ZA      R      5 

Jams,  Jellies  and  Preserves — pre- 
paring (not  canneries) 2112  BX  ZA  R  5 

Japanning — no  metal  working  (not 
available  for  division  of  payroll)..  3375  CD  ZB  R  5 

{Jetty  and  Breakwater  Construction 
—no  blasting 6005  DG  ZJ  R  5 

Jewelry  Box   and   Tray    Mfg.— no 
*  stamping 4242    BZ     ZA      R     5 

Jewelry  Mfg 3383     BA     Z        R     5 

{Jobbing  Work — on  buildings  other 
than  private  residences,  excluding 
iron  and  steel  erection  and  the 
demolition  of  buildings  (not  avail- 
able for  division  of  payroll) 5601  DO  ZL  R  5 

Junk  Dealers — shop  and  outside  (no 

wrecking  of  buildings)  (no  blasting)  ' 
Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  help- 
ers,  also    chauffeurs   and   chauf- 
feurs' helpers 8260    DV     ZP      OC    2 

Junk  Dealers — shop  and  yard  only 
(no blasting).  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 
and  chauffeurs7  helpers 8261  DV  ZP  OG  2 

Jute — Spinning  and  Weaving 2348     CD      ZA      R      5   i 

Kindling  Wood  Mfg 2711     DD      ZB      R     5 

Knit  Goods  Mfg 2363    BJ      Z       R      5   i 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(99) 


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Reprinted  Page — August  28,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

Knit  Goods  Mfg.  (from  cop  yarn — no 

yarn  mf g  )  (not  available  for  di- 
vision of  payroll) 2362    BF     Z        R      5   i 

Label  Mfg.— metal  (no  stamping)...     3134    BL     ZA      R      5 

Label  Mfg.— not  metal 4286    BF     Z        R      5 

LaceMfg 2386    AW    Z        R     5 

Ladder  Mfg 2820    CM     ZB      R     5 

{Ladders— installation  in  buildings .     5432    CH      ZJ       R      5 

Lamp  Black  Mfg 4552    CT     ZA      R      5 

Lamp  and  Lantern  Mfg. 3223    CY     ZB      R      5 

JLamplighting 9405    CK     Z6       R      5 

Lampshade     Mfg.— -no  stamping ...     3186    BL     ZB      R      5 
{Landscape  Gardening — no  blasting. 

Payroll  for  "Comp."  coverage  to 

include  drivers  and  drivers' helpers, 

also   chauffeurs    and    chauffeurs' 

helpers 6046    CD     ZG      R     5 

Lard  Refining 4716     CA      ZA      R      5 

Lust  Block  Mfg 2780    DD     ZC      R     5 

Last  Mfg 2786    CM     ZB     R     5 

Lath  Mfg.— wood 2713    DD     ZC      RB    5 

t  Lathing....  5443    CK     ZH      R      5 

Laundries— no  machinery,  doing  hand 

work  exclusively  (not  available  for 

division  of  payroll) 2582    BL      ZA      SG    4 

Laundries — wet  wash — no  flat  work 

ironing  or  operating  power  ironing 

machines 2580    CM      ZA     SC    4 

Wet  wash  laundries  operating  flat 
work  ironers  or  other  power  ironing 
machines  should  be  classified  as  '  'Laun- 
dries— not  otherwise  classified.  " 

Laundries— not   otherwise  classified    2581     CD      ZA     SG    4 

Lead  Mfg.— black 1749    CH      ZA      R     5 

Lead  Mfg.— red 4550    CT      ZB      R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

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Reprinted  Page — J<ili'  3,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Lead  Mfg.— white ', ,. '. . ,\ ,   455 !    CT     ZB      R     5 

Lead  Pencil  Mfg 2940    BA     ZA      R     5 

Lead  Smelting 1430    DC     ZG      R      5 

Lead  Works — sheet,  pipe,  shot  (no 
smelting) 3331  OR  ZB  R  5 

{Leather  Belting— installation  and 
repair 3732  CD  ZJ  R  5 

Leather  Belting  Mfg 2686    BL     ZA      R     5 

Leather  Board  Mfg. — from  leather 
scraps 2653  BV  ZA  R  5 

Leather  Dressing 2622    GA     ZA      R     5  ^ 

Leather  Embossing  (not  available 
for  division  of  payroll) 2640  GZ  ZA  R  5 

Leather  (imitation)  Mfg.  —  using 
pyroxylin  or  pyroxylin  composition  4456  DV  ZD  R  5 

Leather  (imitation)  Mfg. — not  using 
pyroxylin  or  pyroxylin  composition  4492  GG  ZA  R  5  ^ 

Leather  Mfg.— patent  or  enamel ...     2620    CD     ZA      R     5 

Leather  Uppers — (cutting  of)  hand 
work  only  (not  available  for  divis- 
ion of  payroll) 2652  BL  ZA  R  5 

Leather  Wearing  Apparel  and  Novel- 
ties Mfg.  (not  otherwise  classified)  2688  BF  ZA  R  5 

Ledger  Paper  Mfg 4232    CB     ZB      R     5 

Lens  Mfg 4151     BF     Z       R     5 

Licorice  Mfg 2044    GE     ZA      R     5 

t  Light  Prisms  —  installation  and 
repair 5501  C6  ZQ  R  5 

tLightning  Rods— erection 5080    DR     ZM      R      5 

Lime  Mfg. — no  crushing  or  quar- 
rying (not  available  for  division  of 
payroll) 1641  GT  ZC  R  5 

Lime  Mfg.— from  oyster  shells 4483    BF      ZB      R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(101) 


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Reprinted  Page — September  25,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto. 

Lime    Mfg. — including    quarrying, 

crushing,    lime    burning    and   all 

other  operations  incidental  to  the 

business 1640    DD     ZE      R     5 

Linen  Cloth  Mfg 2326    BK     Z        R     5 

Linoleum  and  Cork  Carpet  Mfg 4491     CA      ZA      R      5   ^ 

Linotype  and  Hand  Composition— 

(not     available     for     division  of 

payroll) 4308    BA     ZA      R     5 

Lithographing 4302    BL     ZA       R     5  i 

Lithographic      Stone    Mfg.— no 

quarrying 1805     CJ      ZC       R      5 

Live  Stock  Commission   Merchants 

and  Salesmen  (not  cattle  dealers) 

including  work  in  stock  yards  but 

not  operation  of  stock  yards — no 

loading  and  unloading  of  cattle ..     8284     CB      ZG       R      5 
Live  Stock  Shipping  (not  available 

for  division  of  payroll) 8281     DO     ZK       R      5 

Livery  and  Boarding  Stables,  includ- 
ing drivers  and  drivers 'helpers  (not 

sales  stables)  (accidents  to  public 

caused    by    horses    and    vehicles 

outside  the  stable  walls  not  covered 

under  P.  L.  rate) 7201     CK     Z6      MA  — 

For  rate  to  cover  accidents  to  pub- 
lic caused  by  horses  and  vehicles  out- 
side the  stable  walls,  see  Teams'  rate. 

Lock  Mfg 3144    BS     ZA      R     5 

tLocksmi  thing — repairing,  fitting  and 
installing  locks  in  completed  build- 
ings (including  shop) 5113  BQ  ZF  R  5 

Locomotive  Works 3600    CM     ZC      R      5 

t Logging  and  Lumbering — including 
transportation  of  logs  to  mill,  but 

excluding   operation   of  "Logging  i 

Railroad."  Payroll  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs'  helpers.  2702  DF  ZC  R  5 

Logging  Railroad — operation  (pay- 
roll for  maintenance  and  extension 
of  existing  lines  must  be  included)  7100  EL  (a)  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(102) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Logging   Tools    Mfg.    (hand) — not 

otherwise  classified 31 24    BW     ZB     R      5 

Loom-Harness  and  Reed  Mfg 3516    BA      ZA      R      5 

Loom  Mfg 3514    BR      ZA     R     5 

Loose-Leaf  Ledger  and  Note-Book 
Mfg.  —  including  all  operations 
(not  available  for  division  of  pay- 
roll)    4309  BL  ZA  R  5 

Lumber  and  Fuel  Yards,  and  Build- 
ing Material  Dealers,  etc.,  (rate 
as  "Fuel  and  Material  Dealers"). 
Lumber  Yards— (commercial   yards 

only)  no  mill  hazard 8207     CJ      Z6      RB    5 

Lumber  Yards — (not  commercial 
yards) — to  take  highest  rate  for 
any  mill  connected  therewith.  ...  8219 

Lunch  Rooms 9070    BL      Yl      R     5 

Lunch  Wagons 9077    BL     (b)  —    — 

Macaroni  Mfg 2002     BZ      ZA     R      5 

Machine  Gun  Mfg.— not  heavy  ord- 
nance (not  charging  shells) 3201  BL  ZA  R  5 

Machine  Shops— with  foundry 3631     CE      ZB      R     5 

Machine  Shops— without  foundry  ..     3632    CB      ZA      R     5 

Magneto  Mfg 3645    BR      ZA      R     5 

Mail  Bag  or  Pouch  Mfg 2684    BL      ZA     R     5 

Mail  Box  Mfg.— no  stamping 3226    BX      ZB      R      5 

JMail  Chutes— installation 5142    BX      Z6      R      5 

Mail  Chute  Mfg 3044    CL     ZB      P     5 

Mailing  and  Addressing  Companies.    8800    AX      ZA      R      5 
Mailing  and    Addressing   Machine 

Mfg 3564    BO     ZA     R     5 

JMailing  and  Addressing  Machines — 

installation 3736    BV      ZG     R     5 

Malleable    Iron    Works  3086    CJ      ZB     R     5 

Malt  Houses— excluding  drivers  and 
drivers'  helpers,  chauffeurs  ^and 

chauffeurs' helpers 2125     CM    ZB      R      5 

Drivers  and  drivers'  helpers 7217     GK 

Chauffeurs  and  chauffeurs'  helpers     7390     C6 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(103) 


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Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto 

Manicuring 9584    AW     YF     R      5 

Public  Liability  excludes  injuries  to 

customers  due  to  the  rendering  of  any 

professional  services,  or  the  omission 

thereof,  by  any  attendant. 

Mantel   Mfg.— marble  or  slate   (no 

quarrying)   1800    CJ      ZC      R      5 

JMantel  Setting  and  Repairing — (not 

available  for  division  of  payroll) . .     5340    BX      ZG      R      5 
Marble  Cutting  and  Polishing  (no 

quarrying)    1801     CJ      ZG      R      5 

For  public  insurance  on  a  risk 
falling  under  above  classification 
where  the  plant  is  occupied  in  part 
by  tenants  also  engaged  in  similar 
work,  there  shall  be  in  all  cases,  in 
addition  to  the  public  liability  rate 
charged  on  payroll,  a  charge  of  $1.00 
for  each  tenant  or  employee  of  a 
tenant  subject  to  a  minimum  charge 
for  this  item  of  $3.00  per  policy. 
3 Marble  and  Stone  Setting — away 

from  shop  (no  blasting) 5024    DH      ZM     R      5 

JMarble  and  Stone  Setting  —  inside 

construction   only 5341    BX      Z6     R     5 

JMarble  and  Stone  Work— decoration 

in  place  only 5320    CV      ZJ      R     5 

JMarine  Railway — construction. .  . .     6004    DG       ZJ      R      5 
Marine    Railway — handling    boats, 

displacement  over  80  tons 6862    DJ      ZJ      R     5 

Marine  Railway — handling  boats, 
displacement  80  tons  or  less  (not 

available  for  division  of  payroll)..     6863     DD      Zl      R      5 
Market    or   Truck  Gardening — not 

available  for  division  of  payroll. . .     0008     B6      ZG      R      5   - 
Marl   Digging — including   hauling, 

drying  and  grinding 1746     CH      ZC      R      5 

JMasonry     Bridge    Construction — 

other  than  concrete  (no  blasting)     5021     DP      ZP      R      5 
JMasonry — building   chimneys  only 
(no   structural    iron    or   steel) 

(no  blasting) 5000    EG      ZM     R      5 

{Masonry — not    otherwise  classified 

(no   blasting) 5022    DH      ZM     R     5 

Masonry  work  in  connection  with 
sewers  must  take  the  sewer  rate  and 
not  the  "Masonry— (not  otherwise 
classified)"  rate. 

Mast  and  Spar  Mfg.— shop  only  . . .     2800    CT      ZC      RB    5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 


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Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Match  Mfg. — excluding  lumbering 
operations 4730  GK  ZA  R  5 

Matting  and  Rug  Mfg.— fibre 2346    B¥      ZA      R      5 

Mattress  Mfg.  —  no  spring  or  wire 
work  or  excelsior  mfg 2570  BL  ZA  R  5 

Mattress  Mfg.— wire 3301    CA      ZB      R      5 

{Mausoleums  and  Monuments  in 
cemeteries — erection  only 5321  GV  ZJ  R  5 

Medicinal  Extract  Mfg 4622    BR      Z        R      5 

Mercantile  or  manufacturing  prem- 
ises variously  occupied  by  per- 
sons other  than  the  owner,  not 
otherwise  classified  (owner's  risk 
only).  Payroll  to  include  elevator 
attendants  and  all  other  employees 
engaged  in  care,  custody  and 
maintenance  of  premises,  excluding 
extraordinary  additions,  altera- 
tions or  repairs 9006  BY  YD  R  5 

Mercerizing  Cotton  Goods 241 2     BT      Z        R      5 

tMerry-go-rounds,  Swings,  and  other 
similar  movable  amusement 
devices  —  erecting,  repairing,  dis- 
mantling and  removing 5066  DK  ZM  R  5 

Metal  Ceiling  and  Wall  Covering 
Mfg 3063  CM  ZB  R  5 

{Metal  Ceilings  and  Wall  Covering — 
installation 5101  CL  ZG  R  5 

Metal  Goods  Mfg. — not  otherwise 
classified 3400  DA  ZB  R  5 

Metal  Polish  Mfg.— no  can  mfg. ...     4591     GG      ZA      R      5 

Mica  Preparing — no  mining 1853     CA      ZA      R      5 

Military  or  Fraternal  Orders  Equip- 
ment and  Regalia  Mfg. — not  other- 
wise classified — no  stamping 4904  BL  ZA  R  5 

Milk  Depots — receiving  and  shipping 

stations 8023     BV      YF      PC    5  i 

The    above    classification    does    not 

apply  to  retail  milk  stores  which  should  J 

be  rated  as   "Store  Risks — retail  ex- 
clusively (not  otherwise  classified)". 

Milk  Products  Mfg.  (no  can  mfg.) — 

not  otherwise  classified 2065     BV      ZA      R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(105) 


"Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto, 

Millers— not  otherwise   classified...     2014    CO     ZC      R      5 

Millinery  Mfg 2532    AV     Z  5 

Millstone  Mfg.— no  quarrying 1782    CJ      ZC      R      5 

{Millwright  Work — erection  and 
repair  of  machinery.  Payroll  for 
"  Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs' helpers.  3724  CQ  ZJ  P  2 

Payroll  of  employees  of  assured  en- 
gaged in  millwright  work  on  premises 
of  the  assured  must  be  included  in  the 
payroll  for  the  governing  classification. 
Mineral  or  Spring  Water  Bottling— 

natural 2166    CM     ZB      PA     3 

Mineral  Water  Mfg.— artificial 2160    CZ     ZC      PA     3 

MINES: 

All  rates  for  mines  include  the 
construction,  reconstruction,  main- 
tenance and  repair  of  all  buildings 
or  structures  used  or  maintained  in 
connection  \rith  mining  operations, 
if  done  by  employees  of  the  assured 
or  by  employees  of  a  contractor 
whose  payroll  is  included  in  the  pay- 
roll of  the  assured. 

The  office  force  and  the  employees 

of  the  commissary    stores    may  be 

written    at   the    rate    for   "Clerical 

Office  Employees." 

Clay  or  Shale  Mining— with  shafts, 

tunnels,  or  drifts 1201     DR     (a)      R      5 

Clay  or  Shale  Mining — surface — no 

shafts,  tunnels  or  drifts 1200     DD      (a)      R      5 

Coal  Mining — surface — no  shafts, 

tunnels  or  drifts 1005    DD     (a)      R      5 

Coal  Mining — with  shafts,  tunnels, 
or  galleries: 

Anthracite 1010  Refer    (a)      R      5 

Bituminous 1001      to      (a)      R      jj 

Coal     Mining — with    drifts    or 
slopes,  tunnels  or  galleries  (no  state 

shafts) : 

Anthracite ...     1011     rate    (a)      R      5 

Bituminous 1003  sheets  (a)      R      5 

Copper  Mining 1140    DR     (a)      R      5 

Feldspar  Mining 1623     DD     (a)      R      5   1 

Gold  Mining 1100    DR     (a)      R      5 

;e  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(106) 


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Classification  No.     Comp.  P.L.  Teams'  Auto 

Gold  Mining  by  hydraulic  process  1102  D6  (a)  R  5 

Graphite  Mining 1203  DR  (a)  R  5 

Gypsum  Mining 1204  DR  (a)  R  5 

Iron  Mining — with  shafts,  tunnels 

or  drifts 1120  EC  (a)  R  5 

Iron  Mining — surface — no  shafts, 

tunnels,    or  drifts 1121  DR  (a)  R  5 

Lead  Mining 1153  DR  (a)  R  5 

Lead  and  Zinc  Mining — milling, 
prospecting  and  shaft  sinking, 
including  installation  of  machin- 
ery, and  erection,  construction 

and  repair  of  premises  and  plant  1 1 54  DR  (a)  R  5 

Manganese  Mining 1155  DR  (a)  R  5 

Mica  Mining 1205  DR  (a)  R  5 

Nickel  Mining 1156  DR  (a)  R  5 

OreMining(nototherwiseclassified) 
— surface — no  shafts,  tunnels,  or 

drifts 1150  DR  (a)  R  5 

Ore  Mining  (not  otherwiseclassified) 

— with  shafts,  tunnels,  or  drifts  1151  EC  (a)  R  5 

Phosphate  Mining 1206  DR  (a)  R  5 

Rock  Salt  Mining 1207  DR  (a)  R  5 

Salt  Mining  (not  rock  salt),  pump- 
ing, including  driving  wells 1301  CW  (a)  R  5 

Silica  Mining 1208  DR  (a)  R  5 

Silver  Mining 1101  DR  (a)  R  5 

Sulphur  Pyrites  Mining 1209  DR  (a)  R  5 

Talc  Mining 1210  DR  (a)  R  5 

Mining  and  Milling  Machinery  Mfg.  3520  CT  ZC  P  5 

Mirror  Mfg. — no  glass  making 4131  BL  ZA  R  5 

Molasses   and   Syrup    Mfg.  —  no 

glucose 2020  CF  ZC  R  5 

Morocco  Dressing 2621  CA  ZA  R  5 

Mortar  Mfg.— no  quarrying 1702  CZ  ZC  R  5 

{Mosaic  Work— within  buildings 5345  BX  Z6  R  5 

This  classification  must  include  shop 
work  preparatory  thereto. 

Gee  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(107) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

MOTION  PICTURES : 

Production  of,  in  studios  and 
outside— including  all  operations 
up  to  the  development  of  negatives  9610  CL  Z6  R  5 

Development  of  negatives,  print- 
ing positives  and  all  subsequent 
operations  except  the  marketing 
of  the  product  through  film  ex- 
changes at  locations  other  than 
the  studios 4360  BL  ZB  R  5 

Film  Exchanges,  with  or  without 
projecting  rooms,  not  located  at 
motion  picture  studios 4362  BL  ZD  R  5 

Premium  Computation  Basis — The 
actual  remuneration  of  players  or  -en- 
tertainers must  be  used  unless  the 
amount  exceeds  $100  per  week,  in 
which  event  that  sum  shall  be  used  as 
representing  the  actual  weekly  remun- 
eration of  each  player  or  entertainer. 

Motorcycle  and   Motorcycle   Parts 
Mfg. — including  the  assembling  of 

motorcycles 3850    CA      Z        R     5 

Mucilage   Mfg 4651    CC     ZA      R     5 

Municipal  Sewage  Disposal  Plants — 
operation  (construction  work  to  be 

covered  separately atManual  rates)     7581     CT      II       R     5 
Municipal,    Township,     County   or 
State  Employees: 

Clerical  Office  Employees 8802    AE      (a)    —    — 

Employees,  not  laborers,  workmen 
or  mechanics,  not  engaged  in 
manual  labor  and  not  engaged  in 
clerical  office  duties,  and  not 

otherwise  classified 941 0     BF      (a)    —    — 

This  classification  includes  em- 
ployees engaged  in  laboratory  work, 
inspectors  of  the  Board  of  Health, 
electrical  inspectors,  building  in- 
spectors and  similar  occupations. 
Music  Rolls  Mfg.,  (perforated  paper) 

— no    paper    making 4280    AX     ZA      R      5 

Musical  Instrument  Mfg.— metal ...  3686  BO  ZA  R  5 
Musical  Instrument  Mfg.— wood.. .  2922  BG  ZA  R  5 
Mustard  Mills 2051  BL  ZA  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(108) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Nail  and  Spike  Mfg.— excluding  steel 
mfg.,  excluding  rolling  mill  opera- 
tions   3133  BY  ZA  R  5 

Natural  Gas    Production 7500    CJ      ZP    P/R  4/1 

Necktie  Mfg 2551     AQ     Z       R      5 

Needle  Mfg 3119    BE     ZA      R      5 

Net  Mfg. — not  wire  (no  cordage  or 

twine  making) 2384    BA      Z       R      5 

News  Agents 8745    CM     Zl      KB    1 

The  Public  Liability  is  restricted 
to  places  where  the  goods  are  re- 
ceived only,  excluding  accidents  by 
railroads,  horses  and  vehicles. 

Newspaper  Publishing 4304    BL      Z      KB    1 

Payroll  of  artists,  designers,  proof- 
readers, editors,  reporters,  advertis- 
ing   and    circulation    solicitors    and 
clerical  office    employees    takes  the 
"Clerical  Office  Employees'"  rate. 
Nickel  Plating  and  Finishing — (not 
available  for  division  of  payroll) ..     3372     BR      ZA      R      5 

Numbering  Machine  Mfg 3568     BA      ZA     R      5 

Nurserymen 0005     86      ZC     R      5 

Nut  and  Bolt  Mfg.— excluding  steel 
mfg.,  excluding  rolling  mill  opera- 
tions   3132  BY  ZA  R  5 

Nuts— handling,  cleaning,  and  shell- 
ing— (not  available  for  division  of 

payroll) 2052     BL      ZA     R     5 

Office  Buildings : 

Payroll  to  include  elevator  at- 
tendants and  all  other  employees 
engaged  in  care,  custody,  and 
maintenance  of  premises,  excluding 
extraordinary  additions,alterations 

or  repairs Q007    BY     YC      R      5 

Clerical  office  employees 8810    AE 

{Office  Furnitureand  Fixtures— metal 

^-erection   of 5140    GC     Z6      R      5 

Oil  Cloth  Mfg.— all  kinds 2430    CA     ZA      R      5 

OIL  MFG.: 

Oil   Mfg.  —  fish    (not    otherwise 
classified) 4662    CT     ZA      R     5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(109) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Oil  Mfg.— lard 4661     CT     ZA      R     5 

Oil  Mfg.— linseed 4685    GT     ZA      R      5 

Oil  Mfg.— tallow 4663    GT      ZA      R      5 

Oil   Mfg. — vegetable — not   other- 
wise classified 4683    CT      ZA     R      5 

Oil    Distributing 8350    CG      ZD     QB    3 

JOil  Producing — drilling  new  wells, 

cleaning  out  and  drilling  old  wells 

deeper,   erecting   or   dismantling 

derricks 6202    DE      ZM     R     5 

Oil  Producing— operation  of  oil  leases, 

including  putting  the  raw  product 

in  vessels  or  pipe  lines  for  trans- 
portation (excluding  the  drilling  of 

new  wells,  and  drilling  old  wells 

deeper,  erection  or  dismantling  of 

derricks) 1321     CO      ZJ     R      5 

Oil  Refining— petroleum 4740    CT      ZB     R      3 

Oil  Stove  Mfg.— (no  stamping)  ....     3171     CD      ZB     R     5 
Oil  and  Gas  Wells  Shooting 1330    ER      ZY     M     5 

Minimum  premium  for  Comp.,  $25.00. 

Oiled,  Paraffined  or  Waxed  Paper 
Mfg. — no  paper  making 4276  BQ  ZA  R  5 

Oleomargarine  Mfg 2066    BV      ZA     R      5 

Omnibus  Companies  (horse)  includ- 
ing all  payroll  except  clerical  office 
employees 7204  CK  Z6  *  - 

For  rate  to  cover  accidents  to  pub- 
lic caused  by  horses  and  vehicles  out- 
side the  stable  walls,  see  Teams'  rate. 

*For  Teams'  rate,  see  page  41. 

Optical  Goods  Mfg. — (not  otherwise 
classified) 4150  BF  Z  R  5 

Ore  Crushing, 1450    DD      ZC     R      5 

Ores — concentration  and  amalga- 
mation   1452  DD  ZC  R  5 

Organ    Building — cabinet  or  parlor.    2921     B6      Z       R      5 

Organ  Building — pipe,  including  set- 
ting up  at  the  place  of  delivery. .  2920  BR  ZA  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(110) 


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Classification  No.     Comp.  P.L.  Teams'  Auto, 

{Ornamental  Brass,  Bronze,  and  Iron 

Work  within  buildings — erection.  5100  CZ  ZJ  P  5 
Ornamental  Brass,  Bronze  and  Iron 

Work  Mfg 3041  CL  ZB  R  5 

Owners  engaged  in  construction  work 

or  for  whom  construction  work  is 

being  done  (rate  as  "Contractors, 

General.") 

Oxy- Acetylene  Cutting  and  Welding, 
(autogenous)  shop  work  only,  in- 
cluding machining  operations  con- 
nected therewith,  where  apparatus 
approved  by  the  Underwriters' 
Laboratories,  or  the  Interstate 
Commerce  Commission,  is  used 
exclusively 3361  CJ  ZB  R  5 

Oxy- Acetylene  Cutting  and  Welding, 
(autogenous) — shop  work  only,  in- 
cluding machining  operations  con- 
nected therewith,  where  apparatus 
not  approved  by  the  Underwriters' 
Laboratories,  or  the  Interstate 
Commerce  Commission  is  used. ..  3360  DQ  ZD  R  5 

JOxy-Acetylene  Cutting  and  Weld- 
ing, (autogenous)— away  from  shop  5084  DQ  ZP  R  5 

Oxygen  and  Hydrogen  Mfg. — 
electrolytic  process 4634  CZ  ZC  R  5 

Oxygen  and  Hydrogen  Mfg. — liquid 
air  process 4635  GH  ZB  R  5 

^Packing  and  unpacking  furniture 
and  other  household  utensils 8213  CC  Z6  p  4 

Packing  Case  Mfg. — (wood) — (rate 
as  "Box  Mfg.— wood.") 

Gee  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(Ill) 


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Reprinted  Page— July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Packing  Houses— curing  hams,  bacons 

and  meat  products,  including  pack- 
ing in  jars  or  cans — no  handling 

of  live  stock,  no  slaughtering,  no 

handling  of  carcasses  and  no  other 

operations  incidental  to  packing 

house  operations   (not    available 

for  division  of  payroll) 2093    BL      ZB      RB    5 

Packing  House   Producte-^-distribu- 

ting  stations    (not   available  for 

division  of  payroll  when  located 

on   or   adjoining    same    premises 

where  "Packing  House"  operations 

are  carried  on) 8021     BR      ZD      RB     5 

PACKING  HOUSES: 

Lard  Refining 4716    GA      ZA     RB     5 

Butchering  —  including    handling 
of  live  st9ck 2081     DD      ZD     RB    5  i 

This  classification  must  include  all 
payroll  involved  in  the  handling  of  live 
stock  and  carcasses  to  and  including 

loading  of  dressed  beef,  pork,  sheep  or  •* 

calves  on  cars  for  shipment  but  does 
not  include  the  treatment  of  the  viscera 
or  by-products  after  removal  of  the 
carcass. 

Butterine  Mfg 4717    BV      ZA     RB     5 

Fertilizer    Mfg.  —  not  phosphate 
companies 4580    DD      ZD     RB     5 

Sausage  Case  Mfg 2091     CA      ZB      R      5   1 

Sausage  Mfg 2092    CA      ZB      R      5   1 

Soap  Mfg 4720    CA      ZA     RB    5 

All  other  operations  incidental  to 

packing  houses 2090    CA      ZB      RB    5 

Paint  Mfg.— no  lead  mfg 4558    CM     ZA      R      5 

Painting — automobile   and   carriage 

bodies   only     (not  available    for 

division  of  payroll) 9505    BQ      ZG      R      5 

Painting— shop  only  (not  available  for 

division  of  payroll  in  mfg.  plants)     9501     BQ      ZC      R      5 
JPainting— steel    structures    and 

bridges 5041     EG      ZP      R      5 

{Painting  and  Decorating  away  from 

shop  (not  interior  work) — exclud- 
ing painting  steel  structures  and 

bridges 5461     DJ      ZJ      R      5 

JPainting  and   Decorating — interior 

work  away  from  shop 5490    BZ     ZF      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(112) 


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Reprinted  Page — July  3,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Paper  Board  Mfg.: 

No  pulp  mill 4233    OR     ZB     R     5 

With  pulp  mill  (rate  as  "  Pulp 

and  Paper  Mfg.") 
Paper  Coating  and  Finishing— (not 

available  for  division  of  payroll) ..     4250    BR      ZA      R      5 
Paper     Goods    Mfg.  —no    paper 

making  (not  otherwise  classified)     4279    BF      ZA      R      5 

{Paper  Hanging 5491     BZ      ZF      R      5 

Paper  and  Pulp  Mfg. — (all  kinds 
except  writing  paper  and  card- 
board) : 

Saw  and  Barking  Mills 421 1     DD      ZC      R      5 

Pulp  Mfg. — sulphite  (no  saw  or 

barking  mills) 4205    DC      ZC      R      5 

Pulp  Mfg. — soda  (no   saw  or 

barking  mills) 4203    CT      ZG      R      5 

Pulp  Mfg. — ground   wood   (no 

saw  or  barking  mills) 4206    CR      ZB      R      5 

Paper  Mfg. — (no  pulp  mfg.,  no 

saw  or  barking  mills) 4234    CR      ZB      R      5 

Paper  Stock  Dealers — handling  new 
paper  waste  or  new  cloth  clippings 
(no  handling  of  junk,  old  rags,  or 

old  paper) 8208    CG     ZH      R      5 

Paper  Stock  and  Rag  Dealers 8200     DK     ZH       R      2 

Payroll  for  "Comp."  coverage  to 

include    drivers    and   drivers' 

helpers,   also  chauffeurs  and 

chauffeurs'  helpers. 

Papier    Mache*     Goods     Mfg. — no 

paper  or  pulp   making    (no   car 

wheels) 4266    CR     ZA      R      5 

t Parquet  Floor  Laying 5436     BX      ZG      R      5 

Parquet  Flooring  Mfg. — shop  only ..     281 0     CM      ZA      R      5 
Parks  or  buildings   (not  otherwise 
classified)  used  for  exhibition,  con- 
vention or  show  purposes  (owner's 
risk  only) : 

All  employees  engaged  in  care, 
custody  and  maintenance  of  prem- 
ises, including  elevator  attend- 
ants, excluding  extraordinary  ad- 
ditions, alterations  or  repairs 9102  BY  (a)  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(113) 


Reprinted  Page — November  8,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Paste  Mfg 4655    BQ      ZA      R     5 

Patent  Medicine  Mfg 4605    BF      Z        R      5 

Patent    Metal    Mfg .  —  rolling    of 

metal  into  thin  sheets  for  wrapping    3333    BZ      ZA      R      5 
Pattern  and  Model  Mfg. — wood  (not 

available  for  division  of  payroll)..     2790    CC      ZA      R      5 
J  Paving —  not    otherwise  classified 

(including   yards)    (not  available 

for  division  of  payroll  in  connec- 
tion with  State  or  Municipal  Road 

or  Street  Making) 5500    C6      ZL      R      5 

Peg  and  Skewer  Mfg.— wood 2789    CH      ZA      R      5 

Pen  Mfg...   3273    BE      ZA      R     5 

Perfumery    and  Flavoring  Essence 

Mfg 4823    BR     Z       R     5 

Pharmaceutical  and  Surgical  Goods 

Mfg.— not  otherwise  classified...     4693    BF      Z        R      5 

Pharmaceutists 4607     BF  R     4 

Phonograph  Mfg 2928    B6      ZA      R      5 

Phonograph  Record  Mfg. 4431     B6      ZA      R      5 

Phosphate  Works— no  mining 4581     DD     ZG      R      5 

Photo-engraving 4351     AX      ZA      R      5 

Photography — outside     work — (not 

producing  moving  pictures) 8746    BX     Z6       R      5 

Photograph  Studios— (not    produc- 
ing moving  pictures) 4361     AV      YB      R      5 

Photographic   Sensitive   Films   and 

Dry'  Plates — manufacturing    and 

development  of  negatives  only ...     4921     BL      Z        R      5 

Photographic  Supplies  Mfg 4923     BL      Z        R      5 

Piano  Action  Mfg 2924    B6      Z        R      5 

Piano  Forte  Case  Mfg 2925    B6      Z        R      5 

Piano  Keys  Mfg 2926    B6      Z     ,  R      5 

Piano  Mfg 2923    B6      Z     'P/R  3/5 

Piano  Players  Mfg 2927    B6      Z      P/R  3/5 

Piano  and   Piano   Players   Mfg. — 

assembling  of  manufactured  parts 

and  finishing  only  (not  available 

for  division  of  payroll) 2929     B6      Z      P/R    5  ^ 

Piano  Tuning— away  from  shop 8744    AS      ZB      SB  - 

Pickle  Mfg 2110    CE      ZA      R     5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(114) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Picric  Acid  Mfg 4514    EL      ZQ     R      5 

Picture  Frame,  including  Picture 
Frame  Moulding  Mfg 2732  CA  ZC  R  5 

Picture  Frame  Mfg.  —  no  power 
machinery  (not  available  for 
division  of  payroll) 2850  BF  ZA  R  5 

Picture  Frame  Mfg.  (not  operating 
moulding  mill  or  manufacturing 
mouldings) 2848  BX  ZA  R  5 

Picture  Frame  Moulding  Mfg 2733    CQ      ZC      R      5 

[Pile  Driving— building  foundations 
only 6222  D6  ZO  R  5 

[Pile  Driving  —  Including  timber 
wharf  building 6003  D6  ZJ  R  5 

PinMfg 3271    BE      ZA      R     5 

Pipe  Mfg.— cast  iron 3089    DD      ZG      P     5 

Pipe  Mfg.— clay  (tobacco) 4057    AW     Z        R     5 

Pipe  Mfg.— wood  (tobacco) 2791     BX     Z        R     5 

Piping  Mfg. — flexible    (not  metal) 
for   interior  work  in  buildings  to 
carry  electric  wires 4471     BR      ZA      R     5 

Pistol  Mfg.  (not  charging  shells) 3200    BL      ZA      R     5 

Planing  and  Moulding  Mills 2731     GQ      ZD      RB    5 

[Plaster  Block  Partitions — erection 
inside  of  buildings  (not  fire- 
proof tile) 5347  CK  ZH  R  5 

t  Plaster  Board — erection  away  from 
shop 5481  CK  ZH  R  5 

Plaster  Board  and  Plaster  Block 
Mfg. — no  quarrying  and  no  crush- 
ing or  grinding 4036  CA  ZC  R  5 

Plaster  Mills— no  quarrying 1703    GZ      ZG      R      5 

Plaster  or  Staff  Mixing — no  crush- 
ing or  grinding  (not  available  for 
division  of  payroll) 4037  GA  ZC  R  5 

Plaster  Statuary  and  Ornaments 
Mfg 4038  BL  ZA  R  5 

[Plastering—  (not  otherwise  classified)     5480     CK     ZH      R      5 

Jee  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(115) 


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Classification  No.     Comp.  P.L.  Teams'  Auto, 

J Plastering — on  outside  of  buildings 

(not  otherwise  classified) 5473    DH     ZM      R     5 

Playing  Cards  Mfg.— no  paper  or 

cardboard  mfg 4306    BL     Z        R     5 

t  Plumbing— including  house  con- 
nections. Must  include  shop  pay- 
roll if  any 5183  CD  Z6  R  5 

Plumbers  Supplies  Dealers — no  mfg. 
(shop  only) — (not  available  for 
division  of  payroll) 8111  BY  YF  R  5 

PLUMBERS'  SUPPLIES  MFG. : 

Enamelled  Iron  Ware  Mfg 3091     CE     ZA      R      5 

Porcelain  Ware  Mfg 4051     AZ     ZA      R      5 

PipeMfg.-lead 3331     CR     ZB     R      5 

"      "    —cast  iron 3089    DD      ZG     P      5 

"      "    —wrought  iron 3020    CZ      ZB     R      5 

Tanks,  Seats  and  Cabinets  (wood)    2824    CB      ZB     R      5 

Valves  and  Gauges 3584    BQ      ZB     R      5 

Rubber     Goods    (not    otherwise 

classified) 4410    GG      ZA     R      5 

If  the  business  of  the  Assured 

is  completely  described  by  one 

of  the  foregoing  classifications, 

the  risk  must  be  assigned  to 

such  classification. 
Plumbers'     Supplies     Mfg.     (not 

otherwise  classified) 3188     BL      ZB     R      5 

Plush  and  Velvet  Goods  Mfg 2300    AS     Z       R      5 

Pneumatic  Tube  Companies — opera- 
tion   7620  BQ  ZD  R  5 

J  Pneumatic  Tubes — installation,  in- 
cluding construction,  care  and 
maintenance  of  conduits  and  man- 
holes (no  blasting) 6331  CZ  ZP  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(116) 


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Classification  No.     Comp.  P.L.  Teams' Auto. 

Pocketbook  Mfg.  (not  available  for 

division  of  payroll) 2687    BF     ZA      R      5 

Policemen 7720    DB      (a)  —    — 

Minimum  Premium,  $10.00  per  man  per 
annum. 

Porcelain  Ware  Mfg 4051     AZ     ZA      R      5 

IPortable  Bakers'  Ovens — instal- 
lation or  removal 3721  CQ  ZJ  P  5 

JPortable  Buildings— erection 5405    CM     ZJ      R      5 

Potteries— flower  pots,  art  and 
household  utensils  only  (no  sewer 
or  drain  pipe,  no  mining  or  exca- 
vating)   4053  AZ  Z  R  5 

Potteries— tiling,  gas  retorts,  sewer 
and  drain  pipes  (including  under- 
ground mining) 4014  CP  ZC  R  5 

Potteries — tiling,  gas  retorts,  sewer 
and  drain  pipes  (no  underground 
mining) 4031  CD  ZC  R  5 

Poultry  Food  Mfg 2015    CO     ZC      R      5 

Powder  Mfg 4770    EL     ZQ     R      5 

Precious  Stones — setting  and  making 
mountings  therefor  (not  available 
for  division  of  payroll) 3384  BA  Z  R  5 

Printing 4300     BL     Z        R      5 

Payroll  of  artists,  designers,  proof- 
readers, editors,  reporters,  advertis- 
ing and  circulation  solicitors  and 
clerical  office  employees  takes  the 
"Clerical  Office  Employees'  "  rate. 

Printing  and  Bookbinding  Machinery 

Mfg 3548  BQ  ZA  P  5 

Printers'  Rollers  Mfg 4460  CC  ZA  R  5 

Printing  Press  Mfg 3557  BQ  ZA  P  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(117) 


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Reprinted  Page — October  30,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto. 

Private  Estates — all  employees  (see 
pages  33-39) 

Produce  and  Commission  Merchants 
with  or  without  cold  storage 
facilities,  not  operating  refrigerat- 
ing machinery 8025  BR  YD  R  5  i 

Produce  Dealers — buying,  packing 
or  otherwise  preparing  general 
produce  for  shipment  and  trans- 
portation, using  stores  or  buildings 
temporarily  but  operating  no  ware- 
houses, no  railway  operation  and 
not  operating  refrigerator  cars  or 
caring  for  freight  in  transit 8209  BX  ZD  R  5 

Projectile,  Shell  or  Case — charging 
and  loading 4765  EL  ZQ  M  5 

Projectile,  Shell  or  Case  Mfg.— no 
loading  or  testing  with  explosives.  3633  CE  ZC  R  5 

Public  Libraries: 

All  employees  engaged  in  care, 
custody  and  maintenance  of  prem- 
ises, including  elevator  attendants, 
excluding  extraordinary  additions, 
alterations  or  repairs 91 04  BY  YG  R  5 

Librarian,  assistant  librarian,  and 

clerical  office  employees 8810    AE      YC     R     5   i 

Public  Museums  of  Art  or  Natural 
History: 

All  employees  engaged  in  care, 
custody  and  maintenance  of  prem- 
ises, including  elevator  attendants, 
excluding  extraordinary  additions, 
alterations  or  repairs 9104  BY  YG  R  5 

Curator,  assistant  curator,  and 
clerical  office  employees 8810  AE  YG  R  5  i 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(118) 


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Reprinted  Page — July  31,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto, 

Public    Picture    Galleries: 

All  employees  engaged  In  care, 
custody,  and  maintenance  of  prem- 
ises, including  elevator  attendants, 
excluding  extraordinary  additions, 

alterations  or  repairs 9104    BY     YC      R      5 

Curator,  assistant  curator,  and 
clerical  office  employees 8810  AE  YC  R  5  i 

Publishing  (not  "Newspaper  Publish- 
ing")              4305    BL     Z       R     5 

Payroll  of  artists,  designers,  proof- 
readers, editors,  reporters,  advertis- 
ing and  circulation  solicitors  and 
clerical  office  employees  takes  the 
"Clerical  Office  Employees'  "  rate. 

Pulley  Block  Mfg.— metal 3142  BY  ZB  R  5 

Pulley  Block  Mfg.— wood 2783  DD  ZA  R  5 

Pump  Mfg — metal — no  foundry.  3612  GB  ZB  R  5 

Pump  Mfg.— metal— with  foundry  3611  CE  ZB  R  5 

Pump  Mfg.-wood 2807  CM  ZA  R  5 

{Pumps— installation 3729  CQ  ZJ  R  5 

Putty  Mfg 4559  CM  ZA  R  5 

Pyroxylin   Plastic  Mfg 4443  DV  ZD  R  5 

QUARRIES : 

Cement  Quarries — with  or  without 

blasting.    Payroll  for  "Comp." 

coverage  to  include  drivers  and 

drivers'  helpers,  also  chauffeurs 

and  chauffeurs' helpers 1654    DK      76       R      5   i 

Quarries —  turning  out  exclusively 

dimension  stone  for  monumental 

or   building    purposes — with    or 

without    blasting.     Payroll    for 

"Comp."    coverage    to    include 

drivers  and  drivers'  helpers,  also 

chauffeurs    and    chauffeurs' 

helpers '. 1603    DH      ZF      R      5   i 

See  Division  of  Payrol'   Rules,  pages  7  to  11  inclusive. 

(119) 


Reprinted  Page— July  '31,  1916. 
Classification  No.     Comp.   P.L.  Teams  Auto. 

QUARRIES  :— (Continued) 

Quarries— including  stone  crushing, 
with  or  without  blasting.  Payroll 
for  "Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs' 
helpers 1620  DK  Z6  R  5  * 

Quarries — with  or  without  blast- 
ing (not  otherwise  classified). 
Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  help- 
ers, also  chauffeurs  and  chauf- 
feurs' helpers 1622  DK  Z6  R  5  * 

Slate  Quarries — with  or  without 
blasting.  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 

and  chauffeurs'  helpers 1602     DO      ZG      R      5   * 

Quartz  Mills.... 1451     DD     ZG      R     5 


See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(119A) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Quilt  Mfg 2571    BL     Z       R     5 

Radiator  Mfg.— automobile   (not 

available  for  division  of  payroll).    3807    BY     ZA      R      5 
Radiator  Mfg.    (not   otherwise 

classified) 3174    BY     ZA      R     5 

Rag  and  Paper  Stock  Dealers — (rate 

as  "Paper Stock  and  Rag  Dealers")     8200 
Railroad  Car  Mfg.— all  kinds 3881     CV     ZD      R     5 

{Railroad  Construction  —  electric, 
horse  or  cable — (not  including 
third  rail  systems)  laying  or  re- 
laying of  rails,  exclusively.  Payroll 
for  "Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs'  helpers 
(not  available  for  division  of  pay- 
roll)   6104  DB  ZJ  R  5 

{Railroad  Construction  —  electric, 
horse  or  cable — with  or  without 
installation  of  electric  equipment 
or  pole  lines  connected  therewith, 
including  incidental  culverts  not 
more  than  10-ft.  span;  urban  or 
interurban  lines — no  blasting,  tun- 
neling, or  bridge  building.  Payroll 
for  "Comp"  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs'  helpers  6105  (a)  (a)  —5/1 

{Railroad  Construction  —  electric — 
rail  joint  welding  in  street  by  mol- 
ten metal  or  electricity 6100  DK  ZP  R  5 

{Railroad  Construction — steam — no 
blasting,  tunneling  or  bridge  build- 
ing, including  incidental  culverts 
not  more  than  10-foot  span  and 
steam  shovel  work.  Payroll  for 
"  Comp. "  coverage  to  include  driv- 
ers and  drivers'  helpers,  also  chauf- 
feurs and  chauffeurs'  helpers  ....  6102  (a)  (a)  —  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(120) 


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Reprinted  Page — July  17,  1916. 
Classification  ,  No.     Comp.  P.L.  Teams'  Auto. 

JRailroad  Construction — steam — no 
blasting,  tunneling  or  bridge  build- 
ing, including  incidental  culverts 
not  more  than  10-foot  span.  No 
steam  shovel.  Payroll  for  "Comp." 
coverage  to  include  drivers  and 
drivers'  helpers,  also  chauffeurs 
and  chauffeurs'  helpers  (not  avail- 
able for  division  of  payroll) 6103  (a)  (a)  5 

Railroad  Hazard — in  connection  with 
Mfrs.'and  Contractors'  risks  (see 
rule,  pages  10  and  11) 7102  ED  (a) 

RAILROAD  OPERATION: 

Elevated  Railroads— <>peration,  in- 
cludes ordinary  maintenance  and 
repair  of  roadbed. 

Clerical  Office  Employees 8810     AE 

Shop  Employees 7141     CE 

All  other  employees 7140    CP      (a)    —    — 

Steam  Railroads — operation,  in- 
cludes ordinary  maintenance  and 
repair  of  roadbed. 

Clerical  Office  Employees 8810    AE 

Shop  Employees 7103    CM 

All  other  employees 7101     EG      (a)    —    — 

Street  Railroads — cable  —  opera- 
tion, includes  ordinary  mainten- 
ance and  repair  of  roadbed. 

Clerical  office  employees 8810    AE 

Shop  Employees 7124    CE 

All  other  employees 7121     GP      (a)    —    — 

Street  Railroads — electric,  all  sys- 
tems—operation, includes  ordi- 
nary maintenance  and  repair  of 
roadbed. 

Clerical  Office  Employees 8810    AE  * 

Shop  Employees 7127    CE  * 

All  other  employees 7128    CP      (a)    —    —  -A 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(121) 


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Reprinted  Page — July  17,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Railroad  Permanent  Way  Materials 
Mfg. — frogs,  switches  and  crossings  3088  CV  ZC  R  5 

%  Railroad  Signals — erection  or  instal- 
lation (not  including  operation 
ofrailroad) 6101  DW  ZK  R  5 

Rattan  Goods  Mfg 2904    CB     ZA      R      5 

Razor  Mfg.— not  safety 3121     BY     ZA      R     5 

Razor  Mfg.-safety 3120    BY     ZA      R     5 

Real  Estate  Agencies  —  employees 
engaged  outside  of  office,  including 
collectors — no  construction  work.  8741  AJ  ZB  SB  5 

J  Refrigerating  Companies — excava- 
tion and  laying  and  repair  of  pipe 
lines  (no  blasting) 6322  CZ  ZP  R  5 

{Refrigerating  Machinery — installa- 
tion   3723  CQ  ZJ  P  5 

{Refrigerator  Cars — loading  and  un- 
loading, and  caring  for  freight 
In  cars  during  transit 7340  DD  ZG  R  5 

The  Public  Liability  is  restricted 
to  places  where  the  goods  are  re- 
ceived only,  excluding  accidents  by 
railroad,  horses,  vehicles  or  loading 
or  unloading. 

t  Refrigerator  Erection,  Installation 

and  Repair 5440  CH  ZJ  R  5 

Refrigerator  Mfg.— shop  only 2871  CB  ZA  R  5 

Restaurants 9071  BL  Yl  R  5 

Ribbon  Mfg.... 2301  AS  Z  R  5 

RiceMilling 2017  CO  ZC  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(122) 


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Reprinted  Page — July  17,  191C, 
Classification  No.     Comp.  P.L..  Teams'  Auto. 

Riding  Academies,  Clubs  and  Schools: 
Porters,  waiters,  grooms,  stablemen 
and  all  other  employees  engaged 
in  the  care,  custody  and  main- 
tenance of  stables  and  animals, 
excluding  extraordinary  additions, 

alterations  or  repairs 7207     CK     (a) 

Clerical    Office    Employees 8810    AE     (a) 

Rifle  and  Shotgun  Mfg. — (not  charg- 
ing shells) — (rate  as  "Arms  Mfg. — 
small  arms — not  charging  shells")  3200 

Rifle  Ranges  or  Gun  Clubs 9051    (a)  (a)    MA/R  5 

For  Public  Liability  for  cottages 
attached,  see  rule,  page  30. 

For  grounds  owned  or  used  charge  50 
cents  per  acre  if  policy  includes  Public 
Liability  of  club  for  games  or  sports 
conducted  thereon ;  or  charge  25  cents 
per  acre  if  policy  excludes  Public  Lia- 
bility of  club  for  this  hazard. 

Not   available    to    parks    or    other 
grounds  where  admission  is  charged. 
Rigging — ship  or  boat  (not  available 

for  division  of  payroll) 6864    DJ      ZJ       R      5 

t  Rigging — not  ship  or  boat.  Payroll 
for  "Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 

chauffeurs  and  chauffeurs'  helpers    9530     EG     ZU       P      3 
Road  or  Street  Making  Machinery 

Mfg 3521    CT     ZG      P     5 

Road   or  Street   Making    (rate    as 
"State    or    Municipal    Road    or 
Street  Making.") 
Roofing  Paper  or  Roofing  Felt  Mfg. 

— no  paper  or  felt  making 4285    GO     ZB       R      5 

t  Roof  ing— (not  otherwise  classified).     5545     OK     ZL      R      5 

{Roofing— slate 5548    DK     ZL      R     5 

Rolling  Mills — rolling  of  brass,  copper 
and  other  soft  metals — no  iron  or 
steel  rolling  work,  no  bar  manu- 
facturing, no  blast  furnace,  con- 
verter or  casting  of  steel 3014  CJ  ZB  R  5 

Rolling  Mills — iron  or  steel.  See 
"  Steel  Works." 

Rope  Mfg 2341     CH     ZB      R     5 

Rubber  Belting    Mfg 4413    CG      ZA      R      5 

Rubber  Boot  and  Shoe  Mfg 4417     BA     ZA      R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(123) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Rubber  Cement  Mfg 441 1     CG      ZA     R     5 

Rubber  Garments    Mfg. — including 

rubber  miU 14409    BA      ZA     R     5 

Rubber  Garments  Mfg. — no  rubber 

mill 4416    AQ     Z       R     5 

Rubber  Goods  Mfg. — not  otherwise 

classified 4410    GG      Z       R     5 

Rubber  Reclaiming 4400    DK      ZG      R     5 

Rubber     Reclaiming — not      using 

benzine,  naphtha  or  gasoline  (not 

available  for  division  of  payroll) ..     4401     CT      ZA      R     5 

Rubber  Stamp  and  Pad  Mfg 441 8    CG      ZA      R     S 

Rubber    Stock    Dealers — receiving, 

handling,  baling  and  shipping  old 

rubber   stock   (not   available  for 

division  of  payroll) 8210    GG      ZE      R     5 

Rubber  Tire  Dealers  —  sale,  repair 

and  vulcanizing,  including  adjust- 
ment of  tire  to  vehicles  away  from 

premises  of  assured 8382    BT      ZE      R     S 

Rubber  Tire  Mfg 4420    BX      Z       R     5 

Rug  Mfg. — cotton,  woolen  or  silk. .     2401     BE      ZA      R     5 

Rug  and  Matting  Mfg.— fibre 2346     BY      ZA     R      5 

Safe    Mfg.    and    Repairing — shop 

only,  including    all  processes  to 

completion 3280    GQ      ZB      P     3 

tSafe  Moving 9531     E6      ZQ      P     3 

Payroll  for  "Comp."  coverage  to 

include  drivers  and  drivers'  helpers, 

also    chauffeurs    and  chauffeurs' 

helpers. 

t Safety  Treads— installation 5109    GL      Z6      R      5 

Sail    Making 2573    BL      ZA      R     5 

Sales  Stables— including  exhibition 

and  delivery  of  horses 8280    DQ      ZT     R    — 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(124) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Salesmen  (outside),  collectors  and 
messengers  (excluding  salesmen, 
collectors  and  messengers  who  use 
automobiles  owned  by  the  em- 
ployer or  themselves 8742  JU  Z  SB  — 

This  classification  does  not  include 
as  salesmen,  collectors  and  messengers, 
any  employees  who  as  a  part  of  their 
duty  deliver  the  goods  or  merchandise 
handled,  treatedor  sold.  If  the  employees 
who  deliver  goods  use  teams  for  solicita- 
tion, collection  and  delivery,  they  shall 
be  rated  as  drivers.  If  such  employees 
use  motorcycles,  they  shall  be  rated  as 
chauffeurs — commercial.  If  such  em- 
ployees use  bicycles — not  motorcycles — 
publicmeansof  transportation,  or  walk, 
they  shall  be  rated  at  the  governing 
classification  of  the  risk  in  which  their 
employment  occurs. 

Salesmen  (outside),  collectors  and 
messengers  using  automobiles  own- 
ed by  the  employer  or  themselves  8747  BT  Z  —  — 

The  actual  remuneration  of  these  em- 
ployees to  be  included  in  the  payroll  but 
not  in  excess  of  $1,500  per  annum,  per 
salesman,  collector  or  messenger. 

This  classification  does  not  include 
as  salesmen,  collectors  or  messengers, 
any  employees  who  as  a  part  of  their 
duty  deliver  the  goods  or  merchandise, 
handled,  treated  or  sold. 

If  employees  who  deliver  goods  use 
automobiles  for  solicitation,  delivery 
and  collection,  they  shall  be  rated  as 
chauffeurs — commercial. 

Where  salesmen,  collectors  and  mes- 
sengers are  employed  in  connection  with 
risks  written  on  0. ,  L.  &  T.  forms  and 
it  is  desired  to  cover  the  P.  L.  risk  of 
such  salesmen,  collectors  and  messen- 
gers while  away  from  the  premises  of 
the  assured,  the  payroll  for  such  em- 

S'oyees  shall  be  separately  stated  in  the 
.,  L.  &  T.  policy  and  the  premium  rate 
for  public  liability  as  shown  fo*  the 
above  classifications  applied  thereto. 

Salt  Mfg. — not  mining  or  sinking 
wells 4534  CM  ZC  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive, 

(125) 


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Reprinted  Page — July  1,  1916. 
Classification  No.     Comp.  P.L  Teams'  Auto. 

Saltpetre  Mfg 4525    CH      ZB      R     5 

Salvage  Corps  and  Fire  Patrol — rate 
as  "Fire  Patrol  and  Salvage  Corps".  7700 

JSalvage  Operations — all  operations 
in  damaged  buildings  or  elsewhere 
incidental  to  the  sorting,  removing, 
storing,  reconditioning  and  dis- 
tributing of  merchandise  from 
buildings  previously  damaged  by 
fire.  No  wrecking,  shoring  or 
other  structural  operations 5705  DD  ZS  R  5 

J Salvage  Operations-— all  operations 
incidental  to  wrecking,  shoring  or 
other  structural  work  in  buildings 
previously  damaged  by  fire,  in- 
cluding the  handling  of  machinery  5704  £6  ZS  P  5 

JSand  and  Gravel  Digging — no  canal, 
sewer,  or  cellar  excavation  or  grad- 
ing (no  blasting) 4000  DD  ZJ  R  5 

Sand  Paper  Mfg. — no  paper  making.     1856     BV      ZA      R      5 

Sanitoriums — rate  as  "Hospitals". 

Sash,  Door  and  Blind  Mfg. — includ- 
ing outside  employees  soliciting 
and  measuring ...  273C  CQ  ZD  RB  5 

Sausage  Case  Mfg 2091     CA      ZB      R      5   1 

Sausage  Mfg 2092    CA      ZB      R      5   1 

Saw  Mfg 3118    BO      ZA      R     5 

Saw  Mills 2710    DD     ZG      RB5 

Sawdust   Dealers 8223    BX     ZE      Q     4 

{Scaffolds  —  installation,  operation 
and  removal 5406  DQ  ZY  R  5 

This  classification  is  available  only 
to  concerns  engaged  in  installing  and 
leasing  scaffolds  to  contractors.  In- 
cludes the  operation  and  removal  of 
same  when  work  has  been  completed. 

Scale  Mfg 3582    BQ      ZB     R     5 

See  Division  of  Payroll    Rules,  pages  7  to  11  inclusive. 

(126) 


Classification  No.     Comp.  P.L.  Teams' Auto. 

Scavengers 9403    GK      Z6     R      5 

Payroll  for  "  Comp."  coverage 
to  include  drivers  and  drivers' 
helpers,  also  chauffeurs  and  chauf- 
feurs' helpers. 

School  Supplies  Mfg 2876    CB      ZA     R     5 

Schools — (rate  as  "Colleges  and 
Schools"). 

Scrap-iron  and  Junk  Dealers — shop 
and  outside  (no  wrecking  of  build- 
ings) (no  blasting.) 8260  DV  ZP  N  2 

Payroll  for  "  Comp."  coverage 
to  include  drivers  and  drivers' 
helpers,  also  chauffeurs  and  chauf- 
feurs' helpers. 

Scrap-iron  and  Junk  Dealers — shop 

and  yard  only  (no  blasting) 8261     DV      ZP     OC     2 

Payroll  for  "Comp."  coverage 
to  include  drivers  and  drivers' 
helpers,  also  chauffeurs  and  chauf- 
feurs' helpers. 

ScreenMfg.— metal— no  wire  drawing    3250    BX      ZB      R      5 

Screen  Mfg. -wood 2821     CM     ZA     R     5 

Screw  Mfg 3145    BS      ZA     R     5 

Sculptors — statuary  and  ornamental 
work  in  bronze,  including  mould- 
ing and  casting 3090  CD  ZB  R  5 

Sealing  Wax  Mfg 4656    CC      ZA     R     5 

Seed  Merchants  —  including  the 
operation  of  seed  sorting  ma- 
chinery    8102  AV  ZA  R  5 

Serum  (hog)  Mfg.  —  not  operating 
packing  houses  (not  available  for 
division  of  payroll) ...  ....  4609  GL  ZB  R  5 

Serum  (hog)  Mfg. — including  pack- 
ing house  operations 2083  CZ  ZC  RB  5 

Sewage  Disposal  Plants— care  and 
maintenance,  excluding  construc- 
tion work 7580  CT  ZJ  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(127) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

t  Sewage  Disposal  Plants — construc- 
tion— for  private  houses,  insti- 
tutions, or  hotels,  and  not  con- 
nected with  public  sewers  (no 
blasting)  6226  DJ  ZJ  R  5 

J  Sewage  Disposal  Plants — construc- 
tion—public— no  sewer  construc- 
tion or  blasting 5020  DP  ZJ  R  5 

t  Sewer  Building — maximum  depth  of 
excavation  7  feet  at  any  point 
(not  available  for  division  of  pay- 
roll.)   , 6302  DK  ZP  R  5 

This  classification  not  available  to  any 
sewer  contract,  the  maximum  depth  of 
which  exceeds  7  feet  at  any  point. 

J  Sewer  Building — no  limit  of  depth.    6300    DT      ZQ     R      5 

Public  Liability  rate  for  sewer 
building  not  on  public  highway  ex- 
cept at  crossings,  $1.00. 

Masonry  work  in  connection  with 
sewers  must  take  the  rate  for 
"Sewer  Building." 

Sewer  contracts,  involving  sections 
less  than  seven  feet  in  depth  and  sec- 
tions more  than  seven  feet  in  depth 
shall  be  submitted  to  the  home  office 
for  rating. 

{Sewer  Cleaning 9407    DK     ZJ     R      5 

Sewer  Pipe  Mfg. — reinforced  con- 
crete, including  all  employees 
on  ground  engaged  in  manufactur- 
ing—no pipe  laying 4040  CD  ZD  R  5 

Sewing  Machine  Mfg 3561     BO      ZA     R      5 

Shade  Cloth  Mfg 2241     BW     ZA     R      5 

Shade  Roller  Mfg 2851     BR      ZA     R      5 

Shaft  Shiking 6252    EC      ZJ      R      5 

Sheet  Iron  Stoves  Mfg. — (no stamp- 
ing)   3170  CO  ZB  R  5 

Sheet  Metal  Work— shop  only 3066    CD      ZB      R      5 

Shingle  Mfg 2715    DD      ZC     RB    5 

Ship  or  Boat  Building — (rate  as 
"Boat  Building"). 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 


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It  e.  printed  Page — August  28,  191(>. 

Classification  No.     Comp.  P.L.  Teams'  Auto. 

SHIPWRIGHT  WORK: 

{Repairing  Vessels, or  the  machinery 

therein,  while  afloat,  no  operations 

of  dry  dock  or  on  dry  dock 6861     DJ      ZJ     R      5 

Shop  Employees 6865     CE      ZD     R'     5 

Repairing  vessels  or  the  machinery 

therein,    including    work    in   dry 

docks 6866    DR      ZG    R      5 

Shop  Employees 6865    CE      ZD    R      5 

Shirt  Mfg.— including  laundry 2521     AV      Z      R      5   ^l 

Shoddy  Mfg.— cotton 2214 '  DH      ZA     R      5 

Shoddy  Mfg.-wool 2215    DH      ZA    R      5 

Shoe  Findings  Mfg. — tongues,  linings 

and    facings    (not    available   for 

division  of  payroll) 2654    BS      ZA    R      5 

Shoe  and  Harness  Blacking  Mfg.— 

no  can  mfg 4590    CC      ZA    R      5 

Shoe  Stock  Mfg 2651     BY      ZA    R      5 

Shoe  String  Mfg 2385    BA      Z      B      5 

Shooting  Galleries — not  rifle  ranges.     9088    CW     (a)    R      5 

Shot  Works 3332    OR      ZB    R      5 

Showcase  Mfg 2877    GB      ZA    R      5 

{Showcases — erection  and  installation    5435    BX      ZJ     R      5 

Shuttle  Mfg 3518    BA      ZA    R      5 

{Sidewalk  Calking 5504    CO      ZL     R      5 

Sign  (advertising) — erection  (rate  as 

"Advertising  Signs — erection  and 

repair  only  ") . 

Sign  Painting— (shop  only) 9500    BQ      ZC     R      5 

Sign  Painting  or  Lettering,  in  build- 
ings or  structures 5483    BQ      ZC     R      5 

{Sign  Painting  or  Lettering  on  build- 
ings or  structures 9541     DJ      ZJ     R      5 

Silica  Grinding— no  quarrying 1 743    CH      ZG     R      5 

Silk  Mfg 2303    AS      Z      R      5 

Silk  Thread  Mfg 2302    AS      Z      R      5 

Silo  Building— wood  (shop  only)  . . .     2750    CY      ZC     R      5 
{  Silo  Erection — brick,  hollow  tile,con- 

crete  blocks  and  concrete  staves  . .      5025     DH      ZL     R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(129) 


Reprinted  Page— July  17,  1916. 

Classification  No.  Comp.  P.L.  Teams' Auto. 

JSilo  Erection—concrete 5202  DM  ZL  R  5 

JSilo  Erection— metal 5063  DK  ZL  P  5 

t  Silo  Erection— wood 5400  DE  ZL  R  5 

Silver  Plating 3370  BR  ZA  R  5 

Silver  Refining — no  ore  reduction. ..  1411  CC  ZC  R  5 

Silver  Smelting 1401  D6  ZC  R  5 

Silverware  Mfg 3381  BF  Z  R  5 

Size  Mfg 4650  CG  ZA  R  5 

Skate  Mfg 3149  BL  ZB  R  5 

Skating  Rinki— ice  or  roller 9081  CG  (b)  R  5 

Slag  Excavation— including  loading 

on  cars,  with  or  without  blasting..  1420  DR  ZJ  R  5 

Slate  Mfg.— no  quarrying 1 802  GJ  ZC  R  5 

Slate  Pencil  Mfg 1850  BL  ZB  R  5 

JSlate— roofing 5546  DK  ZL  R  5 

Slaughtering— rate  as  "Butchering". 

Slipper  Mfg 2661  AX  Z  R  5 

Smelting— by  electric  process 1439  CP  ZC  R  5 

Smelting— not  otherwise  classified...  1438  DO  ZC  R  5 

{Smokestacks  and  Chimneys — lining  5001  EG  ZM  R  5 
j  Smokestacks  and  Chimneys  (metal) 

—erection  (no  blasting) 5042  EG  ZQ  P  2 

t  Snow  and  Ice  Removal— no  blasting  9400  DD  ZM  R  5 

Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  help- 
ers,  also  chauffeurs  and  chauf- 
feurs' helpers. 
JSoap  Dispensers — installation  and 

inspection 5180  CD  ZG  R  5 

Soap  Mfg 4720  CA  ZA  R  5 

Soap  Powder  Mfg 4721  CA  ZA  R  5 

Soda  Water  Fountain  and  Apparatus 

Mfg 4940  GR  ZB  R  5 

t  Soda  Water  Fountains— installation 

and  repair 5342  BX  ZG  R  5 

Soda-Bicarbonate  Mfg 4502  BL  ZA  R  5 

Spar  and  Mast  Mfg.— shop  only...  2800  GT  ZC  RB  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(130) 


w 


Reprinted  Page — August  38,   19  W. 
Classification  *  No      Comp.  P.L.  Teams*  Auto. 

Speedometer  and  Taximeter  Mfg. — 

with  or  without  odometer,  includ- 
ing installation 3580    BA     ZA      R      5 

Spice   Mills 2053    BL     ZA      R     5 

Spool  Mfg.— wood 2784    CM     ZA      R     5 

Sporting  Goods  Mfg. — not  otherwise 

classified.   4902    BL     ZA      R     5 

Spring  Bed  Mfg 3300    CA     ZB      R     5 

Spring     Mfg. — not      railroad     car 

springs 3303    CD     ZB      R     5 

Sprinkler  Mfg.— automatic 3583     BX     ZA      R      5 

Stablemen  (not  livery,  boarding  or 

sales  stables)-— excluding  accidents 

to  public   caused    by   horses  and 

vehicles  outside  the  stable  walls    7200    CK     ZB     — 
Stables — private — when  not  on  same 

premises  with  private  dwellings. 

Public    Liability     rate  $4.00  per 

annum  or  $10.00  for  three  years. 
t  Staff  Work — erecting  buildings  or 

structures 5471     DH     ZM      R     5 

Stained  Glass  Mfg 4133    BF     ZA      R     5 

JStairbuilding    (wooden)  —  erection 

(notavailable for  divisionof payroll)     5431     CH     ZJ       RB    5 

Stamping— metal 3210    EL     ZB      R     5 

Starch  Mfg.— dry  process 4706     DJ      ZD       R      5 

Starch  Mfg.— wet  process 4703     CV      ZG      R      5 

State  or  Municipal  Road  or  Street 

Making,    including    culverts    not 

exceeding  10  ft.  span : 
JA11    operations    except    quarrying 

and  blasting 6042     CT      ZJ    —      5 

Quarrying 1621     DK     ZG    —      5   ' 

Blasting  (see  rule  page  10) 6280    ER     ZY  5 

The  first  classification  above  in- 
cludes the  setting  up  and  taking 
down  of  road  making  equipment  and 
appliances  at  the  place  of  work,  and 
the  operation  of  road  making  ma- 
chinery or  vehicles,  with  or  without 
horses,  or  other  draft  animals,  also 
the  operation  of  trucks,  traction  en- 
gines, and  steam  rollers  or  other 
vehicles  in  connection  with  the  work 
of  transporting  material,  merchandise 

See  Division  of  Payro!!  Rules,  pages  7  to  11  Inclusive. 

(131) 


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Classification  No.     Comp.  P.L.  Teams' Auto, 

and  equipment  to  and  from  the 
place  of  work.  For  compensation 
coverage,  the  wages  of  all  drivers  and 
helpers,  chauffeurs  and  their  helpers 
and  others  engaged  in  connection  there- 
with to  be  included  in  the  payroll  and 
subjected  to  the  rates.  If  teams  are 
hired  by  contract  including  drivers, 
then  50  per  cent,  of  the  contract  price 
of  the  teams  shall  be  accepted  in  lieu  of 
drivers'  wages,  and  if  automobile  trucks 
are  hired  by  contract  including  chauf- 
feurs, then  25  per  cent  of  the  contract 
price  of  the  automobile  trucks  shall  be 
accepted  in  lieu  of  chauffeurs'  wages. 

The    Public    Liability   includes  the 
Teams'  Public  Liability  but  excludes  the 
Automobile  Public  Liability  hazard. 
Stationary   Engine    Mfg.— with 

foundry 3609    CE      ZB      P     5 

Stationary    Engine    Mfg.— without 

foundry 3610    CB     ZB      P     i 

Stationery  Mfg. — (not  available  for 
division  of  payroll  in  plants  manu- 
facturing paper  of  any  kind) 4251  BL  ZA  R  5 

JStatuary,  in  connection  with  mau- 
soleums, monuments  or  mortuary 

work— erection  only 5322    GV      ZJ       R     5 

Stave  Mfg 2740    DO      ZC      R     5 

Steam  and  Air  Pressure  Gauge  Mfg.    3571     BQ      ZA      R      5 
JSteam  Heating— laying  of  mains  and 
surface  or  house  connections  (no 

tunneling  or  blasting). 6320    CZ       ZP      P     5 

Steam  Heating  or  Power  Companies 
— (not  electric) — operation  of  plant 

only,  no  construction  work 7570    CH      ZJ       R      5 

Steam  Packing  Mfg.— metallic 3339    BZ      ZB      R     5 

Steam  Packing  Mfg.— not  metal . . .     4982    BQ      ZA      R      5 
JSteam  Pipes  or  Boilers — applying 
cork,  asbestos,  and  other  non-con- 
ducting materials  to  same 5184    CD      ZG      R     5 

Steam  Shovels,  Dredges,  and  Bal- 
last Unloader  Mfg 3526  CT  ZC  P  5 

Steamship  Agencies— wharf  employ- 
ees (clerks  and  tallymen  only  when 
stevedoring  work  is  done  by 
assured) 8703  AY  Zl  R  5 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(132) 


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Classification  No.     Comp.  P.L.  Teams' Auto. 

Steamship  Agencies— wharf  em- 
ployees (clerks  and  tallymen  only 
when  all  stevedore  work  is  let  out 

by  contract)          8704    AY      ZE     R      5 

Steamship  Agencies — wharf  em- 
ployees (stevedores  and  freight 

handlers) 7302    DV     Zl      R     5 

Steel  Works: 

Steel  Works — open  hearth,  besse- 
mer,  and  crucible,  or  open 
hearth  and  bessemer,  casting  in- 
gots, and  puddling  or  blooming 

mill  operations 3000    DE      ZC    P/R    5 

Steel  Works — crucible,  casting  in- 
gots, and  puddling  or  blooming 
mill  operations  (not  available 

for  division  of  payroll) 3001     GZ     ZC    P/R     5 

Rolling  Mills — operated  in  connec- 
tion with  steel  works,  rolling 
products  of  every  description, 

including  rod  mill 301 1     CZ      ZC    P/R    5 

Rolling  Mills — operated  in  connec- 
tion with  steel  works,  rolling 
products  of  every  description — 

* S?^JSP' ••«••••  •,•••;•••:•    3012    CV     ZC    P/R    5 

Rolling  Mills — rolling  of  rods  only 

— no  blast  furnace,  converter,  or 
casting  of  steel  (not  available 
for  division  of  payroll  when  loca- 
ted in  the  same  building  or  build- 
ings which  are  contiguous  to  or 
connected  with  buildings  in 
which  other  rolling  mill  opera- 
tions are  carried  on) 3010  DE  ZC  R  5 

Rolling  Mills — rolling  of  metal 
plates  and  sheets  only,  including 
dipping  for  galvanizing  purposes 
— no  blast  furnace,  converter  or 
casting  of  steel  (not  available 
for  division  of  payroll  when  loca- 
ted in  the  same  building  or  build- 
ings which  are  contiguous  to  or 
connected  with  buildings  in 
which  other  rolling  mill  opera- 
tions are  carried  on) 3013  CV  ZC  R  5 

ee  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(133) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Rolling  Mills — rolling  of  bars  only 
—no  blast  furnace,  converter,  or 
casting  of  steel  (not  available 
for  division  of  payroll  when  loca- 
ted In  the  same  building  or  build- 
ings which  are  contiguous  to  or 
connected  with  buildings  in 
which  other  rolling  mill  opera- 
tions are  carried  on) 301 5  GQ  ZC  R  5 

Tin  and  Terne  plate  rolling  from 
tin  plate  bars,  including  dipping 
— no  tin  plate  bar  manufacturing 
and  no  blast  furnace,  converter, 
or  casting  of  steel 3016  CJ  ZB  R  5 

Iron  and  Steel  Works — shop,  fab- 
ricating and  assembling  struc- 
tural iron  and  steel — no  blast 
furnace,  converter,  or  casting  of 
steel,  or  rolling  mill 3030  DH  ZC  P/R  2 

Iron  and  Steel  Works — shop,  fab- 
ricating, assembling,  and  manu- 
facturing railings,  balconies,  fire 
escapes,  staircases,  iron  shut- 
ters, and  other  iron  work  (not 
structural  iron  or  steel),  and 
ornamental  brass,  bronze,  and 
iron  work — no  blast  furnace, 
converter,  or  casting  of  steel  or 
rolling  mill 3040  DB  ZC  R  5 

Iron  and  Steel  Works — shop,  man- 
ufacturing ornamental  brass, 
bronze,  and  iron  work  exclusive- 
ly— no  blast  furnace,  converter, 
or  casting  of  steel  or  rolling  mill 
(not  available  for  division  of 

payroll) 3041     CL     ZB      R     5 

Stencil  Mfg.— no  stamping 3138     BL     ZA      R      5 

STEVEDORING: 

Stevedoring — handling  coal,  grain, 

salt  and  other  merchandise  from 

lighters  to  steamships  by  means  of 

mechanical  conveyors  only  (not 

available  for  division  of  payroll)     7303     CZ      Z!      P      3 
Stevedoring — handling  fruit,    not 

general  freight  (not  available  for 

division  of  payroll)    ...  7305     CM     Zl       R      3 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(134) 


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Reprinted  Page — Jitlji  31,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Stevedoring  —  handling      general 

freight,  seagoing  and  lake  vessels.     7300     DV      Zl       P      3 
Stevedoring — handling  coal  exclu- 
sively       7306    DQ     Zl      QA    3 

Stevedoring — handling  ore  exclu- 
sively . 7307    DQ     Zl      P      3 

Stevedoring  —  river     and    sound 

steamers 7304    CV      Zl       P      3 

Stevedoring — tallymen  and  check- 
ing clerks  engaged  in  connection 

with  stevedore  work 8703    AY     Zl       B      5 

Stock  Farms— (see  page  33) 0200     CF  B      5 

Stock  Yards  with  or  without  rail- 
road entry,  with  or  without 

slaughtering 8285    DO     ZM     RB    5 

Stone  China  Mfg 4052    AZ      Z        R      5 

Stone  Crushing— (no  quarrying)— (not 
available  for  division  of  payroll.) 
Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  help- 
ers, also  chauffeurs  and  chauf- 
feurs'helpers 1710  DK  Z6  B  5 

When  quarrying  and  stone  crushing 
are  carried  on  ,at  the  same  location, 
rate  as  "Stone  Crushing — including 
quarrying,  with  or  without  blasting." 

Stone  Crushing — including  quarry- 
ing, with  or  without  blasting. 
Payroll  for  "Comp."  coverage  to 
include  drivers  and  drivers'  help- 
ers, also  chauffeurs  and  chauf- 
feurs' helper^ 1620  DK  Z6  B  5 

Stone  Cutting  and  Polishing — yard 
work  only...  1803  CJ  ZC  R  5 

"For  public  insurance    on   a  risk 
falling    under     above     classification 
See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(135) 


Reprinted  Page — July  31,  WIG. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

where  the  plant  is  occupied  in  part 
by  tenants  also  engaged  in  similar 
work,  there  shall  be  in  all  cases,  in 
addition  to  the  public  liability  rate 
charged  on  payroll,  a  charge  of  $1.00 
for  each  tenant  or  employee  of  a 
tenant  subject  to  a  minimum  charge 
for  this  item  of  $3.00  per  policy." 

Stone  Yards  (no  quarrying)  including 
stone  fitters  sent  out  from  yard  to 
fit  cut  stones  on  job  (no  setting 
of  stone) 1804  CJ  ZC  R  5 

If  employees  sent  out  from  stone 
yards  to  fit  cut  stones  on  job,  also 
set  the  stones,  the  entire  payroll  of 
such  fitters  arid  setters  shall  be  in- 
cluded under  and  rated  the  same  as 
"Marble  and  Stone  Setting." 


See  Division  of  Payroll  Rules,  pages  7  to  11   inclusive. 

(13  j  A) 


Reprinted  Page — July  31,  1916. 

Classification  No.     Comp.  P. L.  Teams' Auto. 

This      classification      is      available 
only  when  employees  engaged  in  the 


yard  are  not  exposed  to  the  quarry 
hi 


tazard.  If  the  stone  yard  employees 
are  so  situated  as  to  be  exposed  to  the 
quarry  hazard,  such  employees  shall 
take  the  quarry  rate. 

For  public  insurance  on  a  risk 
falling  under  above  classification 
where  the  plant  is  occupied  in  part 
by  tenants  also  engaged  in  similar 
work,  there  shall  be  in  all  cases,  in 
addition  to  the  public  liability  rate 
charged  on  payroll,  a  charge  of  $1.00 
for  each  tenant  or  employee  of  a 
tenant  subject  to  a  minimum  charge 
for  this  item  of  $3.00  per  policy. 

Storage— baled  cotton  (no  compress- 
ing or  ginning)! 8290  CO  Z6  R  5 

Storage— cold 8291  CR  Z6  R  5 

Storage—furniture 8293  GC  ZG  P  3 

Storage — general  merchandise  (not 

otherwise  classified) 8292  ,  CR  ZG  P  3 

STORES: 

Agricultural  Implement  Stores...  8104  BD  YF  R  5 
Butchers  —  meat  or  provision 

stores    (no   manufacturing, 

slaughtering  or  rendering,  not 

"  Packing  Houses — distributing 

stations") 8003  BR  YF  OC  4 

Cigar  Stores— retail 8020  AL  YF  S  5 

Clothing  Store  —  retail — no 

manufacturing 8008    AL     YF      R      5 

If  any  manufacturing  of  clothing 
is  conducted  on  the  premises  it  must 
be  separately  classified  and  rated  at 
the  Manual  rate  for  such  work. 

Department  Stores 8000    BA     YX      OD   3 

This  classification  shall  apply  to 

risks  in   which    the    following 

conditions  obtain : 

1.  The  mercantile  payroll  is 
at  least  $25,000  per  annum. 

2.  The  store  occupies  at  least 
two  (2)  floors  exclusive  of  base- 
ment. 

3.  The  floor  area  occupied, 
exclusive    of   basement,  is    at 
least  30,000  square  feet. 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(136) 


A8    01 


Classification  No.     Comp.  P.L.  Teams' Auto. 

4.  Not  less  than  four  of  the 
following  classes  of  merchandise 
are  sold: 

Dry  Goods 

Clothing 

Furnishings 

Furniture 

Musical  Instruments 

Groceries 

Kitchen  Utensils 

Hardware 

Department  Stores  where  the  pre- 
ceding conditions  do  not  obtain,  rate 
as  "Store  Risks — retail,  exclusively 
(not  otherwise  classified) . " 

Dry  Goods  Stores  (no  manufac- 
turing)   8007  AL  Y6  PB  3/5 

This  classification  shall  apply  to 
risks  in  which  the  following  con- 
ditions obtain : 

1.  The  mercantile  payroll  is 
at  least  $25,000  per  annum. 

2 .  The  store  occupies  at  least 
two  (2)  floors  exclusive  of  base- 
ment. 

3.  The  floor  area  occupied, 
exclusive  of  basement,  is  at  least 
30,000  square  feet. 

Dry  Goods  Stores  where  the  condi- 
tions outlined  above  do  not  obtain, 
rate  as  "Store  Risks — retail,  exclu- 
sively (not  otherwise  classified) ." 

Five  and  Ten  Cent  Stores  or 
stores  advertising  merchandise 
at  a  maximum  or  minimum 
price  8050  BA  YZ  OD  4 

Minimum  Premium  for  Public 
Liability  per  store,  $50.00  per  annum. 

Furniture  Dealers  (store  only)...  8015  BR  YF  R  4 

Grocers— retail  8006  BA  YF  RB  — 

Hardware  Stores 8010  AV  YF  R  5 

Hide  and   Leather  Dealers  (not 

otherwise  classified) 8105  BD  YD  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(137) 


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Reprinted  Page — July  31,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Hide  and  Leather  Dealers — goat 
and  sheep  skins 81 00  BD  YD  R  5 

Iron  Merchants  (not  junk  or  scrap 
iron  or  hardware  dealers) 8106  CA  YF  P  5 

Jewelry  Stores — wholesale  or  retail    801 3    AL      YD      S     5 

Machinery  Dealers — store  only..     8107     BD      YF       P     2 

Marketmen — including  meat  and 
provision  store  (no  manufactur- 
ing, slaughtering  or  rendering, 
not  "Packing  Houses — distribu- 
ting stations") 8003  BR  YF  QC  4 

Piano  or  Organ  Dealers — store 
only 8022  BD  YD  R 

Poultry  Dealers — wholesale  and 
retail — with  or  without  killing  of 
poultry 8004  BR  YF  RB  4/5 

Ship  Chandler  Stores  (no  manu- 
facturing)   8101  BD  YF  R  5 

Store  Risks  —  retail,  exclusively 

(not  otherwise  classified) 8017  AV  YF  R  — 

Store  Risks  —  wholesale  (not 
otherwise  classified) 8016  BD  YD  R  — 

Store  Risks — wholesale  exclusively 
—where  the  following  com- 
modities and  no  others  are  hand- 
led or  sold: 

Wearing  apparel  or  piece  goods 
made  of  cotton,  silk  or  wool —  8009  AV  YD  R  5  i 

Store  Risks — wholesale  and  retail, 

(not  otherwise  classified) 8018  AV  YE  R  — 

Tailor  Store — retail  (no  manu- 
facturing)   8008  AL  YF  R  5 

If  any   manufacturing   of    clothing 

(except    cutting)  is  conducted  on  the 

premises  it  must  be  separately  classified 

and  rated. 

Warehouse — private —  mercantile 

— used   exclusively  for   storing 

surplus    stock    of    assured — in 

buildings     which    are    entirely 

separated  from  the  store  or  other 

sales  place 8294    —      YD    —  — 

For  Compensation  coverage,  Teams 
Public  Liability  and  Automobile  Li- 
ability, charge  the  rates  applicable 
to  the  risk  with  which  the  ware- 
house is  connected. 

Wine  and  Spirit  Merchants— retail    8002    BK     YK     P       3 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(138) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Wine  and  Spirit  Merchants — no 
bar  on  premises — liquor  sold  in 
packages  only 8012  BA  YF  P  3 

Wine    and    Spirit    Merchants  — 

wholesale 8011     BK      YF     P      3 

Stove  Mfg.— not  sheet  iron 3172    BY      ZA     R      5 

Stove  Mfg. — sheet  iron — no  stamping    3170    CD      ZB      R      5 

Stove  Polish  Mfg 4592    CC     ZA     R      5 

Straw   Board  Mfg.  (rate  as  "Paper 

and  Pulp  Mfg/') 

Straw  Hat  Mfg 2531    AV      Z       R      5 

tStreetCleaning.  Payroll  for  "Comp." 

coverage  to  include  drivers  and 

drivers'    helpers,  also   chauffeurs 

and  chauffeurs'  helpers 9402    DO      ZM     R      5 

Street  or  Road   Making — (rate   as 

"  State    or    Municipal   Road    or 

Street  Making"). 

fStuccoWork— on  outside  of  buildings    5472    DH     ZM     R     5 
(Subway  Construction  for  passenger 

and  freight  traffic — open  cut  or  cut 

and  cover  (no  tunneling) 6255    (a)     (a)     R      4 

[Subway  Construction — for  passenger 

and  freight  traffic,  tunneling  only .     6254    (a)     (a)     R      4 
Sugar  Refining— not  Beet  Sugar  Mfg.     2021     OF      ZB     0      5 

Sulphur  Refining 4512    CT      ZB     R      5 

Surveying  and  Inspecting  Engineer 

Work,   including   sharpening     of 

stakes  and  other  shopwork  inci- 
dent to  surveying  and  inspection 

of    construction    operations    (no 

actual  construction  operations  of 

any  description,  and  no  supervising 

or  superintending  of  construction 

operations)   (not  available  for  di- 
vision of  payroll) 6030    CD      ZG     R      5 

Suspender  Mfg 2556    B6     ZA     R      5 

Suspender  Mfg. — no  buckle,  webbing 

or  leather  parts  mfg.  (not  available 

for  division  of  payroll) 2550    AQ      Z       R      5 

Syphons  and  Mineral  Water  Bot- 
tles—rate for  "P.L.",  25c  per  1000 

fillings. 

>ee  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 


(139) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Tack  Mfg 3274  BE  ZA  R  5 

Tag,  Check  and  Label  Mfg.— metal 

(no  stamping) 3140  BL  ZA  R  5 

Tag,  Check  and  Label  Mfg.— not 

metal 4286  BF  Z  R  5 

Talc  Mills— no  quarrying 1 744  CH  ZC  R  5 

Tallow  Chandlers 4715  CA  ZA  R  5 

Tank  Building— metal  (shop  only) . .  3621  GT  ZG  P  5 
Tank  Building— wood  (shop  only)...  2751  GY  ZA  R  5 
JTank  Building— metal— erecting 

within  buildings  exclusively 5112  DK  ZJ  P  5 

{Tanks— metal— erecting  (no  blast- 
ing) (not  otherwise  classified) . . .  5048  EC  ZM  P  5 

tTank  Erecting— wood 5404  DE  ZL  R  5 

Tanning 2623  CA  ZA  R  5 

Tar  Mfg.-ycoal  tar— manufacturing 

and    refining    coal    tar    and   its 

by-products,  including  saturating 

of  paper  and    felt  with    tar — no 

felt    or    paper  making — no  coke 

oven  operations 4741  (a)  ZA  R  5 

Tartaric  Acid  Mfg 4522  CM  ZB  R  5 

Taxidermists 9600  BY  ZA  R  5 

Telegraph  and  Telephone  Apparatus 

Mfg 3681  BA  ZA  R  5 

Telegraph  and  Telephone  Companies 

— office  and  exchange  employees 

only 8901  AE  ZB  R  5 

{Telegraph  and  Telephone  Companies 

—operation,  maintenance,  exten- 
sion of  lines,  and  making  of  service 

connections 7600    CV      ZP  MA/R  4/1 

Public  Liability  minimum  premium, 
$100.00. 

tTelegraph  or  Telephone  Construc- 
tion   7601  CV  ZPMA/R4/1 

Telescope  Mfg 3684    BF      ZA     R      5 

Tenements 9008    BY     YE     R      5 

Terra  Cotta  Mfg. — art  terra  cotta 
for  decorative  purposes  —  no 
mining  or  excavating 4054  AZ  ZA  R  5 

This  classification  does  not  include 
the  manufacture  of  terra  cotta  for 
structural  use,  whether  decorative  or 
otherwise. 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(140) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Terra  Cotta  Mfg — including  under- 
ground mining 4015  CP  ZC  R  5 

Terra  Cotta  Mfg. — no  underground 
mining 4032  CD  ZC  R  5 

Textiles— dyeing,  finishing  and  print- 
ing new  goods  (not  "  Dyeing  and 
Cleaning") 2413  BT  ZA  R  5 

Textile  Machinery  Mfg 351 5    BR     ZA     R      5 

Theatre  Companies.  Rate  applicable 
to  players  or  entertainers  only: 

For  operas,  dramas,  and  comedies      9153    AS     (a)      R      5 
For  vaudeville,  burlesque,  farce  and 
continuous  performance 9151     BF     (a)      R      5 

The  above  classification  does  not 
apply  to  vaudeville,  burlesque,  farce 
and  continuous  performance  where 
motion  pictures  are  exhibited  more 
than  once  during  any  one  performance. 

Motion  Picture  Theatres— Rate  to 
apply  to  all  employees  of  the 
theatre 9152  BV  t  R  5 

Any  theatre  showing  moving  pictures 
throughout  its  entire  performance  or 
more  than  once  during  any  performance, 
regardless  of  admission  fee  charged, 
shall  be  classed  and  rated  as  a  motion 
picture  theatre. 

Premium  Computation  Basis. — The 
actual  remuneration  of  players  or  en- 
tertainers must  be  used  unless  the 
amount  exceeds  $100  per  week,  in  which 
event  that  sum  shall  be  used  as  repre- 
senting the  actual  weekly  remuneration 
of  each  player  or  entertainer  provided 
that,  subject  to  the  above  limitation, 
the  payroll  basis  for  vaudeville,  bur- 
lesque, farce  and  continuous  perform- 
ance players  shall  be  the  amounts  paid 
by  the  theatres  for  each  act. 

Theatre  employees,  including  man- 
agers (not  stage  managers)  box 
office  employees,  ushers,  and  others 
not  employed  upon  the  stage,  but 
excluding  care,  custody  and  main- 
tenance of  premises 91 54  AS  t  R  5 

tlf  public  coverage  is  required,  Theatre  Public  Liability  policy  must  be  issued. 
See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(141) 


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Classification  No.     Comp.  P.L.  Teams' Auto. 

Theatre  employees  with  stage  duties 
or  engaged  in  care,  custody  or 
maintenance  of  premises,  excluding 
extraordinary  additions,  alterations 

or  repairs 9150    BY      t      B      5 

{Theatre  Stage  Rigging — setting  up 
ornamental,  architectural  and 
theatre  iron  work,  and  all  mechani- 
cal effects  over  stages  of  theatres, 
including  hanging  of  signs,  setting 
stairways,  iron  beams  and  lintels, 
all  included  in  the  operations  of 

stagerigging 5108    DK     ZM     R      5 

Theatrical  Scenery  Mfg.— excluding 

painting 2823    CQ     ZC     R      5 

Theatrical    Scenery    Painting  —  no 

woodworking 9506    BQ     ZC      R      5 

Thermometer  Mfg 3683    BF     ZA     R      5 

Thermostat  Mfg 3680    BA     ZA      R      5 

{Thermostats— installation 5186    CD     Z6      R      5 

Thread  Mfg.— cotton  or  linen 2224    BA     Z       R      5 

Thread  Mfg.-sllk 2302    AS     Z       R      5 

{Threshing  Machines  and  Corn  Shred- 
ders, Ensilage  Cutters  and  Harvest- 
ing Machines  — operation.  Payroll 
for  "  Comp."  coverage  to  include 
drivers  and  drivers'  helpers,  also 
chauffeurs  and  chauffeurs'  helpers  0050  DP  ZJ  R  5 

The  above  classification  applies  to 
farm  machinery  operated  under  con- 
tract. When  m  achinery  of  this  character 
is  operated  not  under  contract  but  by  an 
employer  as  an  incident  to  the  general 
operation  of  his  own  farm,  the  rate 
applicable  therefor  is  the  rate  for 
Farm  Labor. 

JTile  Installation—interior 5344    BX     Z6     R      5 

Tile  Mfg. — for  decorative  purposes 

(no  mining  or  excavating) 4055  AZ  ZA  R  5 

Tile  Mfg.— roof  and  drainage  (in- 
cluding underground  mining) 401 2  CP  ZC  R  5 

tlf  public  coverage  is  required,  Theatre  Public  Liability  policy  must  be  issued. 
See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(142) 


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Reprinted  Page — June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Tile  Mfg. — roof  and  drainage  (no 
underground  mining) 4033  CD  ZC  R  5 

TinCanMfg 3220    DA     ZB     R      5 

TinFoilMfg 3334    BZ     ZA     R      5 

TinPlateMfg.  (rate as  "Steel Works' ') 

Tin  Plate  Rolling  and  Dipping 
(rate  as  "Steel  Works' ') 3016 

tTinsmithing — away  from    shop . . .     5543     DK     ZM     R      5 

Tinsmith  Shop — not  otherwise  clas- 
sified   3065  CD  ZB  R  5 

TOBACCO  MFG.: 

Cigar  or  Cigarette  Mfg. — hand 
made  (not  available  for  division 

ofpayroll) 2171    AV     Z       R      5 

Cigar  or  Cigarette  Mfg. — machine 

made 2170    AX      Z       R      5 

Tobacco  Mfg.  (not  otherwise  clas- 
sified)   2173  BB  Z  R  5 

Tobacco  Mfg.— snuff 2175    AV     Z       R      5 

Tobacco  Rehandling  and  Warehous- 
ing   2174  BF  ZD  R  5 

Tool  Mfg. — not  otherwise  classified 

(not  mfg.  machinery) 3116    BO     ZA      R      5 

Tortoise  Shell  Goods    Mfg. — manu- 
factured from  real  and  imitation  v 
tortoise  shell 4451     CD     ZA      R      5 

TOWEL    AND    TOILET  SUPPLY 
COMPANIES: 

If  no  laundry  operations  are  con- 
ducted: all  employees  except 
clerical  office  employees,  drivers 
and  drivers'  helpers,  also  chauf- 
feurs and  chauffeurs' helpers ...  2584  AQ  ZG  SO  4 

If  laundry  operations  are  conducted, 
rate  all  inside  employees  except 
clerical  office  employees  as 

"Laundries." 

Toy  Mfg.-metal 3221     GY     [ZB     R      5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(143) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Toy  Mfg,-wood        2785    CM     ZA     R      5 

Trees — pruning,  spraying,  repairing, 
trimming  and  fumigating  : 

tin  towns  and  cities 01 01     DK     ZJ      B      5 

iOutside  towns  and  cities 0100    DK     Z6     R      5 

Truckmen — drivers,  helpers  and 
stablemen  only,  excluding  black- 
smiths, repairmen,  rigging  and  the 
trucking  of  boilers,  building  ma- 
terials, coal,  ice,  junk  and  scrap 
iron,  machinery,  railway  iron,  safe 
moving,  structural  iron  and  steel 
(not  available  for  division  of 
payroll) 7211  CK  —  OE  - 

Truckmen — general    trucking — (not 

otherwise  classified) 7208    CQ     Z6     OE     3 

Payroll  for  both  compensation 
and  public  liability  to  include  all 
such  employees  as  drivers,  drivers' 
helpers,  chauffeurs,  chauffeurs' 
helpers,  stablemen,  blacksmiths,  re- 
pairmen and  riggers,  excluding  only 
clerical  office  employees  and  stor- 
age warehouse  employees  which 
must  take  the  proper  Manual  rates 
applicable  therefor.  This  classi- 
fication shall  not  be  available  for 
truckmen  engaged  exclusively  in 
any  of  the  operations  where  the 
classification  specifically  includes 
the  payroll  of  drivers  and  drivers' 
helpers,  such  as  the  handling  of 
boilers,  building  materials,  coal, 
garbage,  refuse  and  ashes,  ice, 
junk  and  scrap  iron,  machinery, 
railway  iron,  safe  moving,  struc- 
tural iron  and  steel. 

The  rate  herein  provided  for  P.  L. 
shall  be  available  only  when  concurrent 
teams'  insurance  is  carried  in  the  same 
company. 

See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(144) 


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Reprinted  Page — June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Trunk  Mfg. — excluding  metal  frames 
and  fittings 2763    CM     ZA     R      5 

The  manufacturing  of  metal  frames 
and  fittings  must  be  classified  and  rated 
as  "Metal  Goods  Mfg. — not  otherwise 
classified." 

Tube  Mfg.— brazed  tubes 3021     CW     ZC     R      5  ^ 

Tube  Mfg. — other  than  iron  and  steel, 

no  brazing 3022    CJ       ZB     R      5   i 

Tube  Mfg.— metal 3021    CW     ZC     R      5 

JTuck  Pointing — (not  available  for 

division    of    payroll) 5470    DQ      ZM    R      5 

t  Tunnel     Lining  —  masonry      or 

concrete    (for    previously    driven 

tunnels  otherwise    completed  by 

other  contractors) 5023    DH      ZJ      R      5 

This  classification  not  available  if 
lining  is  done  by  contractors  construct- 
ing tunnel. 

{Tunneling — including  all  work  to 

completion 6251     EC      ZJ     R      5 

Turpentine  and  Resin  Mfg. — exclud- 
ing pulling   and  cutting  stumps.     0301     DM     ZG      R      3 
Turpentine  and  Resin  Mfg. — includ- 
ing pulling  and  cutting  stumps.     0302    CZ      Zl      R      5 
Twine  and  Cord  Mfg. — binder  (not 

cordage) 2342    BY     ZB     R      5 

Type    Foundry 3336    BA      ZA     R      5 

Typewriter  Mfg 3565    BA      ZA     R      5 

Typewriter  Ribbon  Mfg.    2383    BF      ZA     R      5 

Umbrella  Mfg.— not  manufacturing 

frames  and  handles 2560    AQ      Z       R      5 

The  manufacturing  of  umbrella 
handles  must  be  classified  and 
rated  as  "Cane  Mfg." 

The  manufacturing  of  umbrella 
frames  and  hardware  must  be 
classified  and  rated  as  "Wire 
Goods  Mfg.  —  no  wire  drawing 
(not  otherwise  classified"). 

Undertakers 9620    BY      ZA  MA/R  — 

Upholstering — away  from  shop 9520    BF      Z6     R      5 

Upholstery  Fabric  Mfg 2281     B6      Z       R      5 

Upholstering 9522    BF      ZA     R      5 

This  classification  is  not  available  for 
division  of  payroll  except  m  the  follow- 
ing  classifications:      Furniture    Mfg., 
Chair  Mfg.,  Coffin  and  Casket  Mfg. 
Upholstery  Trimmings  Mfg.          . .     2382     BA       Z       R       5 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(145) 


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Reprinted  Page— October  2S,  1916. 
Classification  No.     Comp.  P.L.  Teams' Auto. 

Vacant  Land 9201  YA 

This  classification  shall  apply  to  property 
within  city  limits ;  risks  involving 

suburban  development  maybe  referred  ^ 

to  the  Home  Office  for  individual  rate. 

Vacuum  Cleaner  Mfg 3563    BQ      ZB     R      5 

JVacuum  Cleaning  Systems — instal- 
lation   5185  CD  ZG  R  5 

JVacuum  Cleaning  by  means  of 
portable  air  suction  cleaning  ma- 
chines. Payroll  for  "Comp."  cov- 
erage to  include  drivers  and  driv- 
ers' helpers,  also  chauffeurs  and 
chauffeurs'  helpers 9010  C6  ZM  R  5 

Valve  Mfg 3634    BQ      ZB     R     5 

Varnish  Mfg 4561     BQ      ZA     R     5 

J  Vaults — fire  and  burglar  proof — con- 
struction and  installation 5065  DK  ZM  P  5 

{Vaults — prison  vaults  and  cells — 
erection 5060  DK  ZM  P  5 

Veneer  Mfg 2714    DO      ZC     R     5 

Veneer  Package  Mfg.— no  barrel 
mfg.  (no  veneer  mfg.) 2908  06  ZA  R  5 

Veneer  Seat  Mfg.  (no  veneer  mfg.)    2909    C6      ZA      R      5 

Ventilator  Mfg 3073    CD      ZB     R      5 

VESSELS 

For  vessel  coverage  when  more  than  one 
state  is  involved,  the  compensation 
policy  may  be  issued  and  endorsed  for 
additional  states  and  a  rate  charged 
on  the  entire  payroll  which  shall  not 
be  less  than  the  highest  compensation 
rate  for  any  state  covered. 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(146) 


Reprinted  Page — October  28,  1916. 

Classification  No.     Comp.  P.L.  Teams'  Auto, 

VESSELS—  (Continued. ) 

Minimum  Premiums — Comp. 
A  minimum  premium  of  $100.00 
shall  be  charged  for  each  vessel 
except  as  otherwise  noted  : 
Barges  and  Lighters,  $15.   per 

vessel. 
Boat    Livery — sail    or    power 

boats,  $25.  per  vessel. 
Canal  Boats  and  Scows,  $15.  per 

vessel. 

Ferries,  $50.  per  vessel. 
Fishing  Vessels — pound  fishing 

only,  $50.  per  policy. 
Fishing     Vessels  —  motorboats 

and  tugs  only,  $50.  per  vessel 

(seagoing  and  not  seagoing.) 
Fisheries — river  only,  $25.  per 

policy. 


See  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(146A) 


Reprinted  Page — October  2,  1916. 
Classification  No.     Comp.  P.L.  Teams*  Auto. 

Inland   Lake  Vessels,  $25.  per 
vessel. 

Oystermen,  $50.  per  policy. 

Supply  Boats,  $50.  per  vessel. 

Yachts,  $50.  per  vessel. 
Minimum  Premiums — P.  L. 

The     minimum    premium    for 

Public  Liability  shall  be  $5.00 

per  vessel. 

Vessel   rates   include    the    collision 

hazard,    but    exclude    the    passenger 

hazard.     If    coverage    for    passenger 

hazard  is  desired,  refer  to  Home  Office. 
Barges  and  Lighters — Contingent 

Risk  (the  assured  not  furnishing 

any  of  the  employees  operating 

such  vessels  and  having  no  oper- 
ating control  over  same)  mini- 
mum charge, $12.50per  vessel  per 

annum,  excluding  the  passenger 

hazard. 

Barges  and  Lighters — not  other- 
wise classified — operation 7060  DD  ZL  R  5 

Barges  and  Lighters— ocean  going 

or  Great  Lakes— operation 7061     D6      ZL      R      5 

Boat  Livery,  sail  or  power  boats, 

limited  to  boats  under  15  tons, 

including  laying  up  of  boats  and 

putting  in  commission,  used  for 

fishing  and  pleasure  purposes ...     7063    CZ      (a)     R      5 

Vessels  of  15  tons  and  over  should  be 
written  at  regular  rates  for  steamers 
and  sailing  vessels. 

Canal  Boats  and  Scows — operation    7065    DD     ZL   •  R     5 

Ferries 7006    CZ     (a).    R      5 

Fisheries— river  only,  including 
work  on  floats  and  on  shore  in- 
cluding, if  any,  curing  and  pack- 
ing fish  and  repairing  nets  and 
boats 7071  CQ  ZD  R  5 

Fishing  Vessels  —  not  otherwise 
classified 7072  EG  ZG  R  5 

Premium  Computation  Basis  —  a 
fixed  sum  of  $600.00  shall  represent 
the  annual  remuneration  of  each  em- 
ployee on  the  vessel. 

See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(147) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Fishing  Vessels  —  pound  fishing 
only,  including  work  on  shore  of 
packing,  curing  and  shipping 
fish,  and  repairing  nets  and  boats  7066  DG  ZG  R  5 

Fishing  Vessels — motorboats  and 
tugs  only  —  not  seagoing  —  en- 
gaged in  net  fishing  and  lobster 
hauling 7067  DO  Z6  R  5 

Fishing  Vessels  —  motorboats  and 
tugs  only — seagoing — engaged 
in  net  fishing  and  lobster  hauling  7068  DO  ZG  R  5 

Great  Lakes  Sailing  Vessels 7041     DX      ZL      R      5 

Great  Lakes  Steamers  7000    DO     ZJ      R      5 

Great  Lakes  Tugboats 7001     DO     ZJ      R      5 

Inland  Lake  Vessels — excluding 
vessels  on  the  Great  Lakes 7007  D6  ZJ  R  5 

Ocean  and  Coastwise  Sailing 
Vessels 7042  DS  ZM  R  5 

Ocean  and  Coastwise  Steamers. . .     7004    D6      ZJ      R      5 

Ocean  and  Coastwise  Tugboats . . .     7005     DG     ZL      R      5 

Oystermen — planting  and  harvest- 
ing, and  operation  of  boats. 
Payroll  to  include  entire  remun- 
eration of  all  employees 7073  CZ  ZG  R  5 

Oystermen  — sorting,  shucking, 
washing,  packing  (shore  and  dock 
work  only)  (not  available  for 
division  of  payroll  in  canneries)  2114  BL  ZB  R  5 

River  and  Sound  Steamers 7003    DG     ZL      R      5 

River  and  Sound  Tugboats 7008    DG     ZL     R      5 

Supply  Boats — supplying  water  or 
gasoline  for  shipping 7002  DG  ZL  R  5 

Yachts  —  private  (either   sail  or 

power) 7059    DD     ZI      R      5 

rinegar  Mfg 2140    CE     ZA      R      5 

riscoloid  Mfg 4442    DV     ZD     R      5 

ritriol  Mfg 4513    CT     ZB     R      5 

roting  Machine  Mfg 3562    BQ     ZB     R      5 

ee  Division  of  Payroll   Rules,  pages  7  to  11  Inclusive. 

(148) 


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Reprinted  Page —  June  1,  1916. 
Classification  No.     Comp.  P.L.  Teams'  Auto. 

Vulcanized  Rubber  Mfg. — (not  avail- 
able for  division  of  payroll) 4430  C6  Z  R  5 

Wadding  and  Waste  Mfg 2210    DK      ZA      R      5   ^ 

Wagon  Mfg 3868    GJ      ZA     R     5 

Wall  Board — installation  (no  plaster 
board) 5444  BX  ZJ  R  5 

Wall  Paper  Mfg. — designing,  print- 
ing and  finishing—no  paper  making  4301  BL  ZA  R  5 

Warehousing — general  merchandise 

(not  otherwise  classified) 8292  OR  Z6  P  3 

Washboard  Mfg 2846    CM     ZA      R     5 

Washing  Machine  and  Clothes 
Wringer  Mfg. — (for  household  use) 
(not  otherwise  classified) 2853  CM  ZA  R  5 

Washing  Machine  and  Clothes 
Wringer  Mfg.  (for  household  use) — 
metal 3637  GB  ZA  R  5 

Watch  Case  Mfg 3380    BR      ZA      R     5 

Watch  Mfg 3385    BA      ZA      R     5 

Water  Meter  Mfg 3579    BW     ZA      R      5 

Water  Tower  Mfg.— shop  only 3623    GT      ZC      R      5 

Y/ater  Wheel  Mfg.— metal 3524    CM     ZB      R     5 

{Waterproofing — cellars  and  founda- 
tions    5467  GK  Z6  R  5 

Waterproofing  Cloth— not  rubber...     2411     BT      ZA      R      5 

Waterproofing  Cloth— rubber 241 0    CD      ZA      R      5 

{Waterproofing  in  or  on  structures 
by  means  of  felt,  paper,  burlap,  or 
pitch  (no  roofing  and  no  suba- 
queous work)  (not  available  for 
division  of  payroll) 5466  CK  Z6  R  5 

{Waterworks — construction  of  pump- 
ing station,  dams  and  reservoirs.  6010  D6  ZI  R  5 

{Waterworks — erection  of  standpipes 
and  water  towers  (no  blasting) . .  5043  EC  ZM  P  2 

{Waterworks-laying  of  mains  and  sur- 
face or  house  connections  (no  tun- 
neling or  blasting) 6321  CZ  ZP  P  4/1 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(149) 


Reprinted  Page — October  28,  1916. 
Classification  No.     Comp.  P. L.  Teams' Auto. 

Waterworks  —  operation    only    (no 

construction  work) 7520    BY      Zl       R    4/1 

Wax  Mfg.— not  sealing  wax 4744    BV      ZA      R      5 

}  Weather  Strips— installation 5434    BX      ZG      R      5 

Weather  Strip  Mfg.— metal 3078    BS      ZA      R      5 

Weather  Strip  Mfg.— wood 2822    BV      ZA     R      5 

Webbing  Mfg.— elastic  or  non-elastic  2380  BA  Z  R  5 
Weighers  and  Samplers  of  Merchan- 
dise, on  vessels  and  docks  and  at 
railway  stations  and  warehouses, 
including  mending  and  repacking 
of  damaged  containers,  if  any — no 
operation  of  warehouses — no  steve- 
doring   8705  CG  ZB  R  5 

Weighers  on  Docks — when  no  steve- 
doring is  done  by  assured 8702    AY     ZE     R      5 

Wharf  and  Water  Front  Property: 

1.  Property  owned  but  not  occu- 

pied by   the   assured,  being 

under  lease  to  others —      —     Y6    —       -i 

2.  Property   occupied   by  the 

assured  for  freight  purposes 

exclusively —  YK    —     —  i 

3.  Property   occupied   by  the 

assured  for  both  freight  and 

passenger  purposes —  YZ  —  —  i 

Wheel  Mfg.— metal— automobile...  3803  BR  ZB  R  5 

Wheel  Mfg.— wood 3861  CM  ZB  R  5 

Wheelbarrow  Mfg.— metal 3062  CQ  ZB  R  5 

Wheelbarrow  Mfg.— wood 2809  CM  ZA  R  5 

WhipMfg 4903  AX  ZA  R  5 

Whiting  Mfg 4560  CM  ZA  R  5 

WickingMfg 2381  BA  Z  R  5 

Willow  Ware  Mfg 2905  CB  ZA  R  5 

JWindmills— erection 5085  OR  ZJ  R  5 

See  Division  of  Payroll  Rules,  pages  7  to  11  inclusive. 

(150) 


Reprinted  Page — October  28,  1916. 

Classification  No.  Comp.  P.L.  Teams'  Auto. 

Windmill  Mfg.— metal 3523  CJ  ZB  R  5 

Windmill  Mfg.— wood  (shop  only) . .  2808  CM  ZA  R  5 

{Window  Cleaning..              9170  DZ  ZL  R  5 

Window  Curtain  Roller  Mfg 2847  BR  ZA  R  5 

{Window  Frames  (metal) — installa- 
tion   5104  CT  ZJ  R  5 

{Window  Opening  Devices — installa- 
tion   5141  BX  Z6  R  5 

{Window  Screens— installation 5442  BX  ZG  R  5 

Window  Shade  Mfg. — making  and 
mounting    (assembling  only,   not 

manufacturing  cloth  or  roller) 2852  BF  ZA  R  5 

Wine  Mfg 2142  BF  ZA  P  5 

Wire  Cloth  Mfg.— no  wire  drawing.  3255  BX  ZA  R  5 


See  Division  of  Payroll  Rules,  pages  7  to  11  Inclusive. 

(150A) 


Classification  No.     Comp.  P.L.  Teams'  Auto. 

Wire  Drawing  3241     CZ     ZB      R     5 

Wire  Fence  Mfg.— no  wiredrawing.     3256     CF      ZB       R      5 

Wire  Goods  Mfg.—  no  wire  drawing 
(not  otherwise  classified) 3257  BX  ZB  R  5 

Wire    Insulation— no  wire  drawing.     4470    CR     ZA      R      5 

Wire  Mfg. — piano — no  wire  draw- 
ing   3253  BX  ZA  R  5 

Wire  Mfg.— picture — no  wire  draw- 
ing   3254  BX  ZA  R  5 

WireNailMfg 3152    BS     ZA      R     5 

WireRopeMfg 3240    CZ     ZB      R     5 

t  Wire  Work— interior  erection  only, 
excluding  ornamental  brass,  bronze 
or  iron  work 5110  CC  ZG  R  5 

Wood  Heel  Mfg 2793    CH     ZA      R     5 

Wood  Preservative  Mfg.— not  other- 
wise classified 4526  GH  ZB  R  5 

Wood  Preserving  and  Fireproofing. .    2960    GX     ZD      R      5 

Wood  Turning 2786    CM     ZA      R     5 

Wood  Yards—handling  wood  exclu- 
sively (commercial  yards  only — 
no  mill  hazard) 8206  CJ  ZG  RB  5 

Wooden  ware  Mfg. — not  otherwise 
classified 2841  CM  ZA  R  5 

Wool  Combing 2260    GJ     ZA      R     5 

Wool  Extract  Mfg.— lanolin 4664    BX     ZA      R     5 

Wool  Separating  —  chemical  sep- 
aration of  wool  from  cotton 2269  DK  ZA  R  5 

Wool  Merchants — including  ware- 
house   8103  BD  ZD  R  5 

Wool  Pulling 2264    BX     ZB      R     5 

Wool  Scouring— (not  available  for 
division  of  payroll) 2263  BX  ZB  R  5 

Wool  Spinning  and  Weaving— exclud- 
ing shoddy  mfg 2286  BG  Z  R  5 

I  Wrecking — marine  (including  sal- 
vage operations)  (no  blasting) 6890  DS  ZJ  R  5 

Wrecldng— not  marine  (no  blasting)     5701     EG      ZT      R      5 

Writing  Paper  Mfg 4232    CB      ZB      R     5 

ee  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 

(151) 


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Classification  No.     Comp.  P.L.  Teams'  Auto. 

Wrought  Iron  Pipe  Mfg 3020    CZ      ZB     R      5 

Yacht  Clubs 9067    BH      YD     R      5 

For  Public  Liability  for  cottages 
attached  see  rule,  page  30. 

Public  Liability  for  gymnasium, 
$10.00  additional;  for  swimming 
tank,  $5.00  additional;  for  bowling 
alleys,  $5.00  additional  per  alley; 
for  each  dock  or  float  used  in  lieu 
thereof,  owned  or  controlled  by  the 
club,  $5.00  additional.  If  club  main- 
tains separate  bath-houses,  $5.00 
additional,  regardless  of  number.  If 
policy  is  to  cover  Public  Liability  of 
club  on  account  of  use  of  club 
launches,  charge  $25.00  additional 
per  launch. 

Yarn   Finishing — including    dyeing, 
no  manufacturing  of   yarn    (not 

available  for  division  of  payroll)  .     241 6     BT      ZA      R      5 
Yarn    Mfg.  —  (not    available    for 

division  of  payroll) 2220     BO      Z       R      5 

Yeast  Mfg.— no  can  mfg 4501     BL      ZA      R      5 

Y.M.C.A.    and    Y.W.C.A.    Institu- 
tions: 

Clerical  Office  Employees 8810    AE 

Teachers  and  Preachers 8866    AE 

All  other  employees 9062    BH     YD      R      5 

Public  Liability  for  gymnasium, 
$10.00  additional;  for  swimming 
tank,  $5.00  additional;  for  bowling 
alleys,  $5.00  additional  per  alley. 

Public  Liability  rate  excludes  haz- 
ards of  manual  training  schools  and 
automobile  schools.  If  manual  train- 
ing schools  or  automobile  schools  are 
connected  therewith,  for  Public  Lia- 
bility   (a) 

Zinc-Oxide  Mfg 4562    CM     ZB      R      5 

Zinc  Smelting 1435    CH      ZC     R      5 

See  Division  of  Payroll   Rules,  pages  7  to  11  inclusive. 


(152) 


RETURN 

IO 

LOAN  PERIO 


ALL  BOOKS  MAY  BE  RECALLED  AFTER  7  DAYS 


DUE  AS  STAMPED  BELOW 


DUENRLF  0 

IT  2  5  1985 

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CIRHUIAT 

SENT  ON  ILL 

ccp  n  g  1995 

J  tr«  w  —  V  — 

II  r.  BPRKELEY 

UNIVERSITY  OF  CALIFORNIA,  BERKELEY 
FORM  NO.  DDO,  5m,  12/80          BERKELEY,  CA  94720 


